Decided to go on a no inquiry CLI spree and here are the results. Thinking I'll try for one more increase with my NFCU AMEX (UPDATE: APPROVED for a $8K increase to a new CL of $28K).
AMEX Cash Magnet: $6K increase to a new CL of $26K
Capital One Venture: $10K increase to a new CL of $25K (surpised because I minimally use)
Discover It: $3500 increase to a new CL of $13.5K
MercuryCard (previously Barclay Rewards): $1K increase to a new CL of $5750 (automatic increase)
Neiman Marcus: $10K increase to a new CL of $34K
NFCU Cash Rewards: $8K increase to a new CL of $24.1K
NFCU Platinum: $8K increase to a new CL of $19K
Venmo Visa: $1K increase to a new CL of $20K
Attempting to get all my credit cards to a $20K limit or higher. The Mercurycard will likely be unachievable. Will likely close the Mercurycard in 4 to 5 years as all the other credit cards have aged to 6-13 years.
Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
March 2026 EQ FICO 820
March 2026 TU FICO 8 800
March 2026 EX FICO 8 816
AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $32.1K; Cap One QS World MC $25k; Cap One Venture Sign VS $45k; Chase Sapphire Pref $19.5K; Citi Simplicity $17K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $20.1k; Discover It $21.5K; US Bank Shield $25K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC; 2.75% Apr 2022; New Auto July 2017 & June 2024; NFCU LOC $20K
GOAL 835 FICOs on ALL 3 CRs by AUGUST 2026.
AMEX Cash Blue $24.3K; AMEX Lowes Business $14.9K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; Wells Fargo Signify $14K; US Bank Business Triple Cash $10K
8/8/25
2/16/26
