Re: Vystar Platinum Visa CLI $5000 > $10000

Anonymous · ‎12-01-2018

VyStar is a CU located in FL. My APR went up, from 8.something to 10.something but they doubled my limit. I had a TV charged to it ($2500).

I'm going to guess the APR went up due to the Fed rate hikes. My FICO score is higher than it was, yet the APR went up. VyStar isn't a very good CU IMO. I only took the card because of the 8.something APR. I figured that wouldn't last past one CLI.

Anonymous · ‎12-01-2018

COngrats on your CLI !!!

19eighty5 · ‎12-01-2018

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

RonM21 · ‎12-02-2018

Double the original limit? Sounds good to me...congrats!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎12-03-2018

Congrats! I agree they aren't a very good CU.

I closed all my VyStar accounts this year after getting a jumbo auto loan through Campus USA CU. VyStar wasn't even in the running even though I had banked with them since 2014. In 4 years they hadn't offered me anything.

xaximus · ‎12-03-2018

Congrats on the CLI!

Scores - All bureaus 770 +
TCL - Est. $410K

Vystar Platinum Visa CLI $5000 > $10000

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Vystar Platinum Visa CLI $5000 > $10000