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Hey everyone,
I was thinking between the Citi Double Cash card (with whom I have a checkings acc) and the Overstock based on the overwhelming mentionings on here.
Edit: I couldn't let it be and on top just applied successfully for the Citi Double Cash with an approval of $5,300!
I read about the shopping card trick on myfico and since I use Overstock and will be moving states soon I gave it a shot. I clicked on checkout and the pre-approval popup came up. After providing my information (it did ask for the full SSN) I got instantly approved with a $4,500 line (my highest card has currently a $5,000 limit). Will try the CLI once I have the card details. No HP visible yet though.
I also did a CLI for my Discover It card today which was instantly approved from $2,000 to $3,500.
On the contra side Amazon Prime Card (Synchrony bank) reduced my limit a few weeks ago from $1,800 to $1,350 while it's been on a higher utilization, which happened without any warning.
Amex and Capital One both declined my CLIs.
My credit history is slightly over 2 years old with 15 inquiries and 6 new accounts in 24 months (this one is the 7th) - and just for full transparency, not to encourage anyone (!!), during the requests I had 42% utilization reported (I'm already down to ca 15% but that's not been reported yet). In total my combined CL increased from $11,030 to $17,030 this month (edit: $22,330).
I will be gardening for the next 1-2 years and am pretty happy with having this foundation to maintain a better solid average length in case of future inquiries.
As always thanks to the community here and the wonderful tips, I hope this info is of use to anyone!
Congrats on your Overstock approval & Discover it CLI
Congrats on your Overstock approval -and- your Discover CLI.
Thank you!
Since I didn't see the HP come in yet I decided to just make a go on the Citi Double Cash as well and I guess this is my lucky day, approved with $5,300 CL .... this said, now it really really is time for gardening and let all those inquiries cool down (I'll be up to 16 inquiries again, although about 9 will drop by the end of this year :-)).
Cleanin up nicely today! Some cool action you have here, congratulations to you!
Congratulations on your approvals and CLI!
Congratulations nice way to go...
Congrats on all of your recent success! 🎉
Pretty good run here, grats on it all
Great little spree , well done!