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I have this card since 06/2017, they gave me $4,500 SL at the time. After several month I transferred some CL from my CSP, 3K to be exact, to it so the CL became $7,500.
I was riding 0% APR on this card till the end of October this year. Put a large expense on it in June, so at the end of Oct the balance was 4200.
Was at the Bank 10 days ago to see if I could get a lower APR on this card and the Rep said NO, so I also asked if they would increase CL on this card without doing a HP, just for kickers
. The Rep said NO again, but I did have SLATE in Offers section.
I politely declined & walked out, since my Plan B was to App for CapOne SAVOR card and do a BT at 0%. So I did, went home and got approved for a new SAVOR, $10,000. Cool Beans right?
. BTW, 1 HP per CRA for this new card.
So this Saturday I get my SAVOR card in the mail. Then logged in to do a BT from Chase Freedom Unlimited to SAVOR.
Boy do I see something ain't right... available credit number is waaaay too High.
Called Chase to see what is going on and CSR confirmed that I was given Auto CLI a week ago of $4,500!
Hmmm that was after I apped for SAVOR.
Making a $12K and no HP on any CRAs.
All in All, in the past 45 or so days:
Last baddie removed via EE.
12K CLI on Amex, from 6 to 18K
4.5K CLI on Freedom, from 7.5 to 12K
New 10K SAVOR card
Rased all FICO8 scores above 720
So, 26.5K in total CL increases with only 1 HP added to each CRA!
Another Boom ShaKaLaKa moment for me!
Last baddie removed via EE.
12K CLI on Amex, from 6 to 18K
4.5K CLI on Freedom, from 7.5 to 12K
New 10K SAVOR card
Rased all FICO8 scores above 720
So, 26.5K in total CL increases with only 1 HP added to each CRA!
Well if that isn't a great month and a half idk what is.
Congrats on all the CLIs and approvals.
Congratulations!










CONGRAAAAATS!! Thats awesome. The same happened to me. I have CFU....I used it alot for the first four months, then logged on one day and my CL wasn't $7k anymore, it was $12k!!!! Go Chase!!! I have a quick question... How long did you have your Amex card till you got your CLI? Did you have a balance on the card when you apped for the CLI? What was the process like? You do it online or cal CSR? I have had my Amex Magnet for two months, approaching three. THANKS!!
M
@MarkyMarkNYC - RE: How long did you have your Amex card till you got your CLI?...
It took me a while, see here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/53734...
What interesting is I just tried to call Cap One and see if I could get a higher CL on SAVOR. Rep explained me that I might me eligible in 3 month and it would be a SP. Always thought it is HP on CLIs with Cap One for some reason...
Anyway, things to do next from me:
1. Do figure out proper amount of BTs to make to keep balances below 9% on all outstanding cards with balances.
2. Switch back to only 1 card reporting a balance in the shortest period of time possible and Sock the ones that are at $0.
3. Crawl back the farthest corner of the Great & Beautiful Garden(Forgive me FICO, it has been 18 month since I have Apped, did sin with SAVOR
).
4. Oh and that $150 bonus on SAVOR after spending $500, my Significant Other will absolutely love the gifts for the Holidays!
5. While all the above is "cooking" - figure out a way to get to 760-770 for the House in the Summer(love thouse words)!
I know I could do IT.