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Lowes cli question

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j_casteel
Valued Contributor

Re: Lowes cli question


@TRC_WA wrote:
Yes my sig is correct and I'm sure that my BK is holding up the love from GECRB.

I just think it's funny I can get auto CLIs for $500 and $1000 from Cap One/Barclay but GE insults me with $100.

My profile is complete... Gardening till the 13 falls off in 22 months. 700 coming soon...

Being insulted implies you feel entitled; which you are not. Give it time, and let them warm up to you, and it should be better when the BK falls off or ages enough.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 11 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question


@j_casteel wrote:

@TRC_WA wrote:
Yes my sig is correct and I'm sure that my BK is holding up the love from GECRB.

I just think it's funny I can get auto CLIs for $500 and $1000 from Cap One/Barclay but GE insults me with $100.

My profile is complete... Gardening till the 13 falls off in 22 months. 700 coming soon...

Being insulted implies you feel entitled; which you are not. Give it time, and let them warm up to you, and it should be better when the BK falls off or ages enough.


Turn your sarcasm detector up about 4 clicks and don't respond to any more of most posts.

I don't need your advice on entitlement just like I don't need the credit from GE... as I said on the previous page.

I cared more about CLIs when I was starting my rebuild profile and had lower limits. BECU right here at home helped me get to where I need to be and I'm quite happy.  Any auto CLI's I get are great... I haven't tried for a CLI with anyone since November... and have no plans to... because as I said on the first page, I don't need the credit.

 

Good day.

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 12 of 23
myjourney
Super Contributor

Re: Lowes cli question

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question


@myjourney wrote:


Of course.  Smiley Happy

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 14 of 23
j_casteel
Valued Contributor

Re: Lowes cli question


@TRC_WA wrote:

@j_casteel wrote:

@TRC_WA wrote:
Yes my sig is correct and I'm sure that my BK is holding up the love from GECRB.

I just think it's funny I can get auto CLIs for $500 and $1000 from Cap One/Barclay but GE insults me with $100.

My profile is complete... Gardening till the 13 falls off in 22 months. 700 coming soon...

Being insulted implies you feel entitled; which you are not. Give it time, and let them warm up to you, and it should be better when the BK falls off or ages enough.


Turn your sarcasm detector up about 4 clicks and don't respond to any more of most posts.

I don't need your advice on entitlement just like I don't need the credit from GE... as I said on the previous page.

I cared more about CLIs when I was starting my rebuild profile and had lower limits. BECU right here at home helped me get to where I need to be and I'm quite happy.  Any auto CLI's I get are great... I haven't tried for a CLI with anyone since November... and have no plans to... because as I said on the first page, I don't need the credit.

 

Good day.


Got it....

 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 15 of 23
Shogun
Moderator Emeritus

Re: Lowes cli question

**sigh**

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 16 of 23
j_casteel
Valued Contributor

Re: Lowes cli question


@Shogun wrote:

**sigh**


lol, i know. what the heck is going on?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 17 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question

My apologies. I probably said more than I should have.

For the record though I'm grateful for the opportunities I've been given over the last 12 months... There is no sense of entitlement here.

Good luck all. Smiley Happy
FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 18 of 23
j_casteel
Valued Contributor

Re: Lowes cli question


@TRC_WA wrote:
My apologies. I probably said more than I should have.

For the record though I'm grateful for the opportunities I've been given over the last 12 months... There is no sense of entitlement here.

Good luck all. Smiley Happy

Apology accepted...

 

 

 

 

 

 

 

 

 

 

 

kidding; none needed. It's all good. I think people just get a little butt hurt and bent out of shape sometimes. It happens to everyone.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 19 of 23
TRC_WA
Senior Contributor

Re: Lowes cli question

No worries. Credit is a YMMV... I've done a lot in a year and am anxious to see what happens in year 2.

I'm sure GE will bump my Walmart card up to $800 in the coming months but I won't be calling in any requests. Smiley Happy
FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 20 of 23
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