Finally another cli on my Older disco. Transfer cr... - myFICO® Forums

dtk6802 · ‎07-22-2020

About 6 months ago I accepted a 300$ cli on my older card due to csr ignorance I was then unable to transfer credit from my newer card to my lower apr card.

My plan is and was to transfer to my older card then cancel my newer card.

After I successfully do this I will max out the PayPal cash back category for the 3rd time this quarter (if im approved for the card of course) zi am waiting to hear back from online chat... but I'll most likely have to call in to underwriter since the front line csr don't always have a strong hold on the policy.

Literally have had this plan since applying for second card last may..

I'll check back in after I complete the process.

older card 2300 cl. the cli was for 300(didn't accept)

Newer card 5500 cl.

like i said I've maxed out PayPal this quarter with older card, and I'm sure that is the reason for cli...since card got 110$ spend in past year besides paypal.

Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800

Adkins · ‎07-22-2020

I recommend you just call in, it will be quicker and easier.

Last HP 11-01-2022

woodyman100 · ‎07-22-2020

Call in!

NFCU-NFCU Biz-ICCU-EECU-PSECU-DoverFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-Aspiration-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Goldman Sachs (Apple)-Evolve-Gemini-Huntington-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex Biz-Banco Do Brasil-Union Bank-Commerce-FNBO-Truist-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Regions-Citizen’s-Citizens Biz-Wex-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Divvy

dtk6802 · ‎07-23-2020

so after speaking with csr. I asked about any offers for extra cash back and was offered 3 % cb on both cards. one for 6 months the older card a year!.

I'll take 3% /5% cb cards over one higher limit 1%/5% card.

And i took the 300$ cli. looks like no 3rd Disco for me yet.

leaves an opening for another sub in a couple months or maybe this month just not sure whats the best sub for me yet.

I'm happy with this

Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 100,000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800

Finally another cli on my Older disco. Transfer credit to older card.

Finally another cli on my Older disco. Transfer credit to older card.

Re: Finally another cli on my Older disco. Transfer credit to older card.

Re: Finally another cli on my Older disco. Transfer credit to older card.

Re: Finally another cli on my Older disco. Transfer credit to older card.