USB Alt Go CLI 5k approved 10k to 15k

Beefy1212 · ‎02-22-2024

So last month did a BT offer on my Go, wanted some extra cash on hand in case I was furloughed (I am federal) luckily I had a backup plan just in case and used the money to shift how I do my retirement contributions, to realize a tax deferment.

Well 97% uti did a whammie on my credit scores, tonight I finally bit the bullet and froze my credit, before hitting the luv button, and success! Turns out the BT trick doesn't just work at discover!

10k to 15k Not bad for 16 months growth on a card that started as a lowly 500 approval

Zoostation1 · ‎02-22-2024

Congrats on the CLI! $500 to 15k in 16 months is pretty impressive.

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Jan 2026 FICO 8:

Jan 2026 FICO 9:

Jan 2026 FICO 10:

Jan 2026 FICO 10T:

MartyWrite75 · ‎02-23-2024

Congratulations on your CLI!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

JoeRockhead · ‎02-23-2024

Nice, congratulations on your USB bump!

gorgon · ‎02-23-2024

Congrats on your CLI

CorpCrMgr1 · ‎02-23-2024

Congratulations on your CLI!

nytokyobred79 · ‎02-23-2024

Congrats on your cli, coming at just the right time

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K