@haulingthescoreup wrote:
Great CLI! I think you'll see that future ones come pretty quickly.
How long is your US credit history now? I'm guessing that once you pass 2 years, or maybe 3, they'll love you to death.
Thank you, Hauling! So glad I called, as I had been a bit grumpy about that card after giving in to the temptation to app, only to get a $1500 CL (although I shouldn't have been surprised, as that was exactly what the latest round of offers on the pre-app page said) - now I have one that I'm happy with so I can just let it sit and increase whenever BofA is ready. Don't want to push my luck by asking them even after 3/6/whatever months - although granted, a few months from now I might need to be reminded I said that!
I have no idea what, if anything, is BofA's preferred card usage pattern most likely to trigger an automatic CLI. All I know is that my husband got a 100%+ auto CLI after the card had been virtually maxed out for ages and we PIF'd, and another auto-CLI of more than 50% after the card had been languishing in the sockdrawer with a $0 balance for months on end - the CLI came as soon as he charged a few dollars to it, along with a flurry of tempting BT offers. I don't think 'keeping it maxed out for months and then PIF-ing' or 'banishing the card to the sock drawer with a zero balance then using it for Scorewatch six months later' are generally CLI-attracting methods to be recommended, even if they did (inadvertently) work for the Husband, so I'll have to figure out a better tactic!
As for my US credit history, it has now reached the grand old age of one year and eight months! AAoAs has dipped to a pitiful not-quite-twelve months, though - it'll be up to a year again in January. I'm wondering what will happen score-wise when the end of April rolls around, and with it, my credit file's second birthday - am I right in thinking that two years (total, or AAoAs?!) is likely to be marked by some rebucketing? I'm scared of rebucketing!
Anyway, unless AmEx freaks out on me and does Bad Things because I've dared to get a new account, I now have all the cards I could possibly want for the foreseeable future, and so I need to resist the urge to go prodding and tweaking at them and trying to get CLIs just for something to do, etc etc (as of today my utilization is 0.6%, so it's not as though I even have that excuse!) - time to sit back and let them age!
Applied for home depot in store today, and got approved for $8K-not sure what the pulled. I am officially done app'ing for a good long while! Got all the cards I wanted this year.
@Anonymous wrote:I went ahead and applied for my credit union (Addison Avenue) rewards platinum card. Pulled Experian, at last check was around 711 but that was a month ago. EQ has gone up considerably since then, so maybe EX has too.
Requested 15K and got it with the lowest rate offered at 5.99% and 3.99% BT for a year!! With this one and Nordstrom Visa sig, I am good for a while after I apply for home depot tomorrow to take advantage of the 6 months no interest for some small bathroom upgrades. I am going to hold off on the big banks cards for a while- they make me nervous
I couldn't have done it without this site!!!
