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

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Regular Contributor

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

Congrats on your CLIs :-)





ONE stubborn 30 day late: 5 yrs 9 mos ago
Gardening until February 2020 (or later....we shall see) ***Chase 3/24***

Lost my oldest account on Exp which is the reason for the drastic score difference - pretty bummed about that
Message 11 of 18
Community Leader
Mega Contributor

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


@James_A wrote:

@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. 


A N Y  D A T A  P O I N T S 😏

#ChaseCreditCardHobby Enthusiast
2022
!
Message 12 of 18
Valued Contributor

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


@AverageJoesCredit wrote:

@James_A wrote:

@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. 


A N Y  D A T A  P O I N T S 😏


The OP contains several DPs. You wanted different ones? 

 

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 13 of 18
Senior Contributor

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

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 14 of 18
Senior Contributor

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

Congrats on your CLIs !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 15 of 18
Valued Contributor

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

 

CONGRATS222222222.gif

 

Message 16 of 18
Regular 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.

 

 

 


Hey, thanks for sharing that with us!

 

Lemme ask you a question! Were these all HPs or SPs? I do have an Amazon Prime Store Card with only $800 and I've been thinking about asking for a CLI. Did you just click CLI button you had to call/chat with someone? Would you mind sharing that?

 

Thanks!

Amex Gold: No pre-set spending limit

Chase Sapphire Reserve: 10k

Amazon Prime Store Credit Card: 4k

Citi American Airlines MileUp: 3.1k

Capital One Quicksilver One: 2.5k

Capital One SavorOne: 2k

Discover it Miles: 1.5k

AAdvantage Aviator Red: 3k

Chase Sapphire Preferred: 800

EX: 690 | EQ: 680 | TU: 677
Message 17 of 18
Valued Contributor

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


@thilimaa wrote:

 

Lemme ask you a question! Were these all HPs or SPs? I do have an Amazon Prime Store Card with only $800 and I've been thinking about asking for a CLI. Did you just click CLI button you had to call/chat with someone? Would you mind sharing that?

Hi, t.

I always request CLI online, unless it's not offered as such (WF). The only other time I've called in is to request the Discover Double, or to recon an approval for a larger SL (Lowes).

So these were all SP and done online. 

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 18 of 18
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