cancel
Showing results for 
Search instead for 
Did you mean: 

Today's CLI Scorecard: James -- 2; Synchrony -- 3

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Contributor

Today's CLI Scorecard: James -- 2; Synchrony -- 3

Lazy Saturday morning means -- let's get some CLI!

Off to my five Synch accounts I went:

 

Care Credit: YES to 6000 CLI request from 9K to 15K. Asked for 20K but NO. This is the 4th CLI (6/25 x 2; 9/20) since account opened for 1K on June 2018.

Conn's :         NO; last CLI was Sept 20th.

JC Penney:   NO; last CLI was Oct 8th.

Lowes:          YES to 15K CLI to 25K. This is 2nd CLI (first was on 9/17) since account opened for 2K on Sept 17th. Was tempted but did not ask for the 35K -- I want to save something for January. 

Walmart:       NO; last CLI was Oct 3rd.

 

Interesting that the same lender will approve 25K on one card but not 10K on another. Surely the underwriting criteria varies from one store brand to the other, which maybe serves as a sort of microcosm for the variety of outcomes the same applicant can achieve across a variety of bank lenders (Cap1, Amex, Disco, Chase, etc). I guess the uncertainty is part of what makes the credit game exciting (I know I know, it's NOT A GAME. Yet ...)

 

Current Fico 08's are EX 724; TU 752; EQ 752

Overall Utilization <4% with 0% purchase balances remaining on Lowes and Conns equaling about 2K.

Note: I used the Care Credit card for the 1st time about 2 weeks ago -- medicine for < $10. I don't know if it mattered, but it's still a DP.

 

 

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 1 of 18
17 REPLIES 17
Community Leader
Mega Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Nice shot James🏀😋

Any data points?......😋😁
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 18
Regular Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Congrats on the CLI’s. Did you do this through CS or luv button online?
Message 3 of 18
Valued Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3


@atst2000 wrote:
Congrats on the CLI’s. Did you do this through CS or luv button online?

Thank you, atst2000. All were done online. I only ever call when there's no other way, or for a Disco Double. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 18
Valued Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3


@AverageJoesCredit wrote:
... Any data points?......😋😁

I'm guessing this comment is meant to be interpretted as humorous but I'm not getting it -- maybe you can spell it out for me? I like a laugh as much as the next person and hate to feel like I'm missing out. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 5 of 18
Community Leader
Mega Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

James, on Wally, its every 120 days. 

Mark your calendar lol

Message 6 of 18
Community Leader
Mega Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Oh and congrats

 

Message 7 of 18
Frequent Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3


@James_A wrote:

Lazy Saturday morning means -- let's get some CLI!

Off to my five Synch accounts I went:

 

Care Credit: YES to 6000 CLI request from 9K to 15K. Asked for 20K but NO. This is the 4th CLI (6/25 x 2; 9/20) since account opened for 1K on June 2018.

Conn's :         NO; last CLI was Sept 20th.

JC Penney:   NO; last CLI was Oct 8th.

Lowes:          YES to 15K CLI to 25K. This is 2nd CLI (first was on 9/17) since account opened for 2K on Sept 17th. Was tempted but did not ask for the 35K -- I want to save something for January. 

Walmart:       NO; last CLI was Oct 3rd.

 

Interesting that the same lender will approve 25K on one card but not 10K on another. Surely the underwriting criteria varies from one store brand to the other, which maybe serves as a sort of microcosm for the variety of outcomes the same applicant can achieve across a variety of bank lenders (Cap1, Amex, Disco, Chase, etc). I guess the uncertainty is part of what makes the credit game exciting (I know I know, it's NOT A GAME. Yet ...)

 

Current Fico 08's are EX 724; TU 752; EQ 752

Overall Utilization <4% with 0% purchase balances remaining on Lowes and Conns equaling about 2K.

Note: I used the Care Credit card for the 1st time about 2 weeks ago -- medicine for < $10. I don't know if it mattered, but it's still a DP.

 

 

 


Congrats! Along with the new Propel. Good month for you. 😀 

Message 8 of 18
Valued Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3


@Remedios wrote:

James, on Wally, its every 120 days. 

Mark your calendar lol


Interesting, I hadn't read that (or if I had I'd since forgotten). But my calendar is now marked. Thank you.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 9 of 18
Valued Contributor

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3


@blindambition wrote

 Congrats! Along with the new Propel. Good month for you. 😀 


Thank you, ba. It has been a productive month. And it's not over -- a lot of month still left!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.