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My first post - CLI Mixed Results

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cashorcharge
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎03-11-2023 10:21 AM
‎03-11-2023 10:21 AM

Re: My first post - CLI Mixed Results

WooHoo!! Congratulations on your Approvals!!👏🏼🍾🥂

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ms-snacks
New Member
New Member
‎03-11-2023 04:33 PM
‎03-11-2023 04:33 PM

Re: My first post - CLI Mixed Results

@RealEstateGuy89 wrote:

@ms-snacks Congratulations on your CLI's!  That should help your utilization padding and help increase your FICO scores! How did NFCU turn out? 

@RealEstateGuy89  Thank you for the kudos

nfcu declined

capotalone declined (although I was preapproved for CapitalOne cards using the PreApproval tool).   

overall I am happy to get utilization down and count it all good!

Message 22 of 30
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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎03-11-2023 05:06 PM
‎03-11-2023 05:06 PM

Re: My first post - CLI Mixed Results

Congratulations on your CLIs!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (December 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 23 of 30
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BreakingOldHabits1
Valued Member
‎03-11-2023 05:58 PM
‎03-11-2023 05:58 PM

Re: My first post - CLI Mixed Results

Congrats

Current Cards

Beginning: December 2022 (Recovering from 1 year layoff)

Current: April 1, 2023 (Recovering from 1 year layoff)
Message 24 of 30
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nytokyobred79
Valued Contributor
‎03-11-2023 06:44 PM
‎03-11-2023 06:44 PM

Re: My first post - CLI Mixed Results

Congrats on your successful cli's. Good results and hopefully you hear back about the business card as well 😀

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 25 of 30
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IamWesty12
Frequent Contributor
‎03-12-2023 01:20 PM
‎03-12-2023 01:20 PM

Re: My first post - CLI Mixed Results

@Yasselife wrote:

Welcome and congratulations on your approvals @ms-snacks 

what you mean Amex 120000? lol

@Yasselife I read that and was like WTH.....$120K????  

Smiley Tongue

Starting Score: 461
Current Score: 689
Goal Score: 775

Take the myFICO Fitness Challenge
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IamWesty12
Frequent Contributor
‎03-12-2023 01:23 PM
‎03-12-2023 01:23 PM

Re: My first post - CLI Mixed Results

@ms-snacks wrote:

It did!  I updated it --- It was from 4K to 12k, but still a lot of love!  Thank you 😊 

@ms-snacks totally a great day and haul in for your CLI's! Congrats.  Let us know about NFCU.  

I apped both my AMEX & NFCU for CLI's yesterday.  Was shot down by AMEX and NFCU said it was submitted correctly and I should know in days.  This was my first CLI request for both so I wasn't sure the process but saw you also did not get an instant CLI w/ NFCU so maybe that's how they roll at times?  Congrats regardless as you had a great outcome!

Starting Score: 461
Current Score: 689
Goal Score: 775

Take the myFICO Fitness Challenge
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pc01user
Frequent Contributor
‎03-14-2023 10:33 PM
‎03-14-2023 10:33 PM

Re: My first post - CLI Mixed Results

@ms-snacks Congrats on all your new cli!

Message 28 of 30
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CYBERSAM
Senior Contributor
‎03-15-2023 10:15 AM
‎03-15-2023 10:15 AM

Re: My first post - CLI Mixed Results

Congrats on your CLI Spree, nicely done 🤑👍👍







                
Message 29 of 30
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FalconSteve
Valued Contributor
‎03-15-2023 04:26 PM
‎03-15-2023 04:26 PM

Re: My first post - CLI Mixed Results

@ms-snacks wrote:

I wanted to report my CLI limit results! 
Neiman Marcus from $1,500 to $3,000 (0 balance)

Macy's from $4,400 to $5,900 ($1354 balance)

AMEX from $4,000 to $12,000  ($215 balance)

CapitalOne Business, Waiting on feedback

NFCU, Waiting on feedback

 

So mixed results, but I am super happy!  I was trying to figure out a way to optimize my scores without a hard pull, and am happy with this so far.  Thank you.  Will update my profile with stats in the near future.

Congrats, nice CLIs, good luck with the last 2

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
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