Yes, I am really done this time!! I mean really!! Ok, so I have been kind of busy!! I got my Lowe's card increased from $4000 to $10,000!!! Shocked, I just got bold one day and called into CS and said that I decided $4000 wasn't enough, need to keep my utilization low, can you give me $10,000? After about 30 seconds on hold, they came back and said those magic words....Congratulations, your limit is now $10,000!! No hp, just sp! I could not believe it!!
Applied for Home Depot and only got a $500 cl, called them back twice because I had to decide if I wanted another hp and I just knew that Citi would decline me for more, but I went for it...asked for $5000 which they approved!!! Shocked again!!
Applied for TJ Maxx, Home Goods card, got a $300 limit, called CS and got it raised to the $1500 that I asked for. Did not want much more than this amount. sp
Applied for Pep Boys card, got $500 called CS and they would NOT budge! May try again on that one!
Applied for Belk Card, got approved for $500, did not call to ask for more, fine with that limit.
Called Amazon and Walmart and asked for cli from $3000 to $5000. Could have asked for more, but didn't want too much more in those stores...could get into trouble!! sp
If you have read my previous posts, I was supposed to stop, but I my head hangs down in shame once again!! My score only went down 4 points on TU and up 8 points on EX, no change on EQ from apps. My TU and EX scores are now in the 690's. I will stop now, because I was declined for Costco card. I realize that I have to age these store card for a year or more (my self-imposed time line) before I can apply for Carnival and Amex cards. The only other store card that I see myself wanting is QVC, but I will wait for a year for that one. Synchrony has given me almost every card that I have applied for! $0 balance on 90% of cards.
In Dec. 2015 my scores were in the low to mid 500's and the only credit that I could get were secured credit cards and Fingerhut!! I owe it all to HOURS of reading myFICO forums and working VERY hard on my rebuild!!
|Total CL: $321.7k||UTL: 2%||AAoA: 7.0yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|