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shocked... Surprise WF auto CLI

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Frequent Contributor

Re: shocked... Surprise WF auto CLI

Congratulations on your CLI! Rooting for you to get the Propel too! 

 




Message 11 of 15
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Frequent Contributor

Re: shocked... Surprise WF auto CLI

Wow, so cool! Congratulations!!


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 12 of 15
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Valued Contributor

Re: shocked... Surprise WF auto CLI


@credit-user-19 wrote:

Okay I'm confused here today noticed that WF rised my CashWise limit from $2800 to $4100.

 

I recently applied for a Propel that is still pending so i'm lost as to why i suddenly got a CashWise auto CLI but I wont question it. Very surprised... 


That's awesome, @credit-user-19, congrats! 

The best kind of CLIs are the automatic surprise ones!  Smiley Very Happy 

 

So tell us some data points. 

  • How old was the card,
  • what is the nature of your WF relationship (other loans, accounts, deposits), and
  • how much spend were you putting on this card? 


Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 13 of 15
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Valued Contributor

Re: shocked... Surprise WF auto CLI

Congrats on the increase!

Message 14 of 15
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Frequent Contributor

Re: shocked... Surprise WF auto CLI

Been using it as my main card with a decent bit of spend. Probaby helps with the CLI.

 

As for Propel they sent me notice that said in so many word they really don't want to extend me more credit it seems. I can push it if I want to try and get an approval but with my income and the recent CLI I don't think it's possible now. Very slim chance at approval I think. 

 

With that said going to let the Propel app expire and leave it be. TBH I don't think it would see that much use. Mostly got it for the SUB and gas and food out category. Pretty much changed my mind about it. Need to stop eating food out so much TBH and not be tempted to sepnd more there Smiley Happy 

Message 15 of 15
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