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USB + ELAN CLI REQUESTS APPROVED

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credit_endurance
Valued Contributor

Re: USB + ELAN CLI REQUESTS APPROVED


@NoMoreDebt wrote:

Congrats on the cli


@NoMoreDebt  Thanks so much!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 11 of 26
Blender
Established Contributor

Re: USB + ELAN CLI REQUESTS APPROVED

Congrats on your CLIs!

 

Did youhave 800 scores last year when you applied for the Fidelity Rewards? We've been seeing some decent SLs recently for lower scores and I have a few baddies which make me think I might get one of those limits too.

10/2024


Message 12 of 26
Invest4Rest
Contributor

Re: USB + ELAN CLI REQUESTS APPROVED

You're welcome. 😊 @credit_endurance 




Message 13 of 26
firefox100
Valued Contributor

Re: USB + ELAN CLI REQUESTS APPROVED

Congratulations on getting the increases you wanted, whats up with USB you say you have fico scores over 800.

Message 14 of 26
credit_endurance
Valued Contributor

Re: USB + ELAN CLI REQUESTS APPROVED


@Blender wrote:

Congrats on your CLIs!

 

Did youhave 800 scores last year when you applied for the Fidelity Rewards? We've been seeing some decent SLs recently for lower scores and I have a few baddies which make me think I might get one of those limits too.


Thanks @Blender

To answer your question my scores were roughly around 780's range. I even applied for them early in my spree due to them being very sensitive to inquiries and such. US bank a few years ago treated many new clients with toy limits and they just called in later to get that increased. Front line underwriters even agree that those limits are ridiculous fir spending. I would say in your case even with the baddies give it a shot. You would at least get your foot in the four with them and hit the luv button every 6 months. 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 15 of 26
credit_endurance
Valued Contributor

Re: USB + ELAN CLI REQUESTS APPROVED


@firefox100 wrote:

Congratulations on getting the increases you wanted, whats up with USB you say you have fico scores over 800.


Thanks @firefox100
USB can be very bi polar from time to time. Baffling to the mind how underwriting can seriously think a client could find a $500 limit usable with inflation continuing to rise. 😆😂

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 16 of 26
Eric958
Established Contributor

Re: USB + ELAN CLI REQUESTS APPROVED

WOW nice cli... Let me hold something!!!! E!




Never Give Up!!
Message 17 of 26
credit_endurance
Valued Contributor

Re: USB + ELAN CLI REQUESTS APPROVED


@Eric958 wrote:
WOW nice cli... Let me hold something!!!! E!

Lol @Eric958! Thanks so much. I'm sure your good for it! 😆😂

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 18 of 26
PayAndProsper
Regular Contributor

Re: USB + ELAN CLI REQUESTS APPROVED


@credit_endurance  escribió:

I was approved for both the  USB Altitude Connect Visa last Aug along with Fidelity Rewards Visa and recieved the very common "toy" limits of $500 each. Decided I would wait it out on the luv button action before rather than poking the bear for increases throughout the year but was declined each time  that I pressed the button. So with a year plus under my belt with them, and a significant gardening stint in which had me 0/12 on both new accounts and inquiries, I decided to see if they would show some luv. Took 2 HP's on TU for both requests. Rep stated that it would take 3-5 business days for the requests to be reviewed. Checked my Fidelity app and saw the increase in less than 24 hours. That card went from $500------>$15,000. Kept creeping my USB visa for days straight with no increase so decided to call underwriting this morning in which I was told that the request was denied. I moved on and contemplated closing the toy limit card all day. So happened to check the app  this evening and what do you know, they increased my newly pc'ed from Altitude to Go Connect Visa from $500------->$10,000

 

Very pleased with the outcome going from toy limits to almost 1000% increases. Now I am ready for the holiday shopping season. 

DP TU HP x2 

Score 834

0/6 0/12 inquires & accounts

Thanks for looking 

 


Very nice work, again!

 

I have seen people receive that infamous $500 limit on the forum and in person. I relate to the feeling, as I just got the Cash+, yesterday, after a recon. The rep told me I was approved but couldn't tell me for how much. I was braced for the $500 but when they emailed me a couple hours later, I was given the same $10,000 as you were. I'll take it!

 

Congrats again. And do not short-change yourself. You blew well past 1,000% increases on both of those cards. You hit a 2900% increase on the Fidelity and a 1900% increase on the Go Connect. Put some respect on your progress! Good job!


Utilization Stats:

Current FICO® Score 8:

Goal FICO® Score 8:


Financial Institutions:

Message 19 of 26
KingRue8500
Senior Contributor

Re: USB + ELAN CLI REQUESTS APPROVED

Congrats on your CLI's




Message 20 of 26
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