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Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

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Anonymous
Not applicable

Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

So in this month I've dared to ask for CLIs:

 

Discover IT: $2000 limit raised $400 to $2400. (Frankly I am amazed because I was carrying a little bit of a balance—not too high—on Disco.) It's been a few months since my last CLI with Disco.

 

Comenity Overstock: About two months since my last CLI. (Then it was raised from $250 to $2250!) This time it went up to $4250. I buy little things on Overstock about every month and pay off immediately!

 

Navy Federal CU cash Rewards: $1000 to $2000. Soft pull! I got this card in June and asked (and was denied) a CLI in Sept. I thought I'd be conservative this time in my request, since my other Navy card (AMEX) is at $17K and I have a low income. I hope to get the Flagship later and don't want to have all my potential credit "eaten up" yet!

 

Walmart (Cap 1) store credit card. $500 limit, asked for $1000. I knew it was a long shot. Was denied; they told me something about how "this card is not eligible for an increase." Well, why did they have a feature where I could ask for an increase? Smiley LOL Anyway, no harm in trying!

 

Data Points: 660s-670s FICO 8 scores. Low income, high utilization (69-70%) due to closed cards I'm paying off with a low interest payment plan. A year-old 90-day late is my main baddie (along with the high util).

 

 

Message 1 of 10
9 REPLIES 9
AllZero
Mega Contributor

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congratulations on your CLIs!
Message 2 of 10
Pro-X
Frequent Contributor

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congrats!!


Message 3 of 10
Anonymous
Not applicable

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Good work, t. You're gaining on it -- Congrats!

Message 4 of 10
M_Smart007
Legendary Contributor

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congrats on your success!

Message 5 of 10
Anonymous
Not applicable

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congrats on your CLIs!

Message 6 of 10
AverageJoesCredit
Legendary Contributor

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Big congratsSmiley Happy one for #TeamLIERs Smiley Happy
Message 7 of 10
Anonymous
Not applicable

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congratulations!
Message 8 of 10
Anonymous
Not applicable

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congratulations on your 3 CLI!!
Message 9 of 10
KELSTAR
Regular Contributor

Re: Tried for 4 CLIs, got 3 of them (Navy, Comenity, Disco, Walmart)

Congrats on the limit increases.

 

If I was in your situation with those FICO scores, I would ask the forum what to do before doing anything further.

 

You are in a score range where what you want to do may not be the best thing to do. Ask the Forum for advise.

 

Peace!

Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
Message 10 of 10
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