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Mini-Spree; 2 out of 3

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Frequent Contributor

Mini-Spree; 2 out of 3

Okay, numerous postings here to get ready for the spree. Armed with MyFico Forums knowledge, I finally pulled the trigger. Walked into my Chase branch in Laguna Beach and was told that the CSR who does the apps was out sick. So, I just had the branch manager do it. Apped CSP. Got SL of 16.7K.  Walked next door to work and apped Amex BCP. Got SL of 2K (**bleep**?). Next, apped Citi DC. My luck ran out and I was declined.

 

Wondering if I should call Amex and request a higher CL if it won't involve an HP. Putting on my overalls and heading out to the garden for at least a year; maybe two. Thanks to everybody for selflessly sharing your wisdom.

Message 1 of 12
11 REPLIES 11
Community Leader
Super Contributor

Re: Mini-Spree; 2 out of 3

Congrats. You will not be able to call Amex and get a higher sl as you normally need to wait 61 days to request cli.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 12
Frequent Contributor

Re: Mini-Spree; 2 out of 3



Such is life!

Message 3 of 12
Community Leader
Super Contributor

Re: Mini-Spree; 2 out of 3

Eh, lol, but just imagine in 2 months that 2k could be 6k, in 6 months after 18kSmiley Happy. Not too many lenders permit that kinda growthSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 12
Frequent Contributor

Re: Mini-Spree; 2 out of 3

CONGRATS! 

As of 11/28/2018
Message 5 of 12
Community Leader
Super Contributor

Re: Mini-Spree; 2 out of 3

Congrats OP! As AJC says the Amex will grow. In a year, I'd bet it will have a higher limit than the Chase card.
Message 6 of 12
Community Leader
Super Contributor

Re: Mini-Spree; 2 out of 3

Congratulations on your new car and like the others said patience you can grow that card pretty quickly in 8 months.

Message 7 of 12
New Contributor

Re: Mini-Spree; 2 out of 3

Congrats on your approvals and smart move in snatching a card from Chase first.
Current FICO 8 Scores EQ-676, TU-698, EX-684
Goal for Fico Scores: 850 or thereabouts across all 3B's.
Message 8 of 12
Established Contributor

Re: Mini-Spree; 2 out of 3

Oh well!  I'd still call that a win!!

 

Congratulations and best of luck to ya!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 659, EQ 696, TU 739 (02/24/2018)
1st Goal Ficos: EX 700, EQ 700, TU 750 (12/31/2018)
~~~Credit lines~~~~
BofA Platinum Plus: $2000
Capital One Platinum: $500
Discover It: $10,500
Chase Freedom Unlimited: $6400
Home Depot: $500
BofA Cash Rewards: $1500
Lowe's: $1000

My Credit Rebuild


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Message 9 of 12
Frequent Contributor

Re: Mini-Spree; 2 out of 3

Nice pickups! Congrats! Also as they stated above 61 days is typical for a 3x CLI. You can read the thread about it here on the forum .But it won't hurt to call in and ask because several people this year so far HAVE had luck getting a CLI immediately after approval before ever receiving the card .Its worth a shot .And if it doesn't work out then you didn't lose anything except a 5-10 min phone call with a nice CSR. Good luck!

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 10 of 12
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