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Overstock Approved - Advice / should I try for CLI

tag
Rebuild2019
Valued Contributor

Overstock Approved - Advice / should I try for CLI

I was approved for an Overstock Card on 8/10 - $250/Limit. Not complaining about the limit, but I want to take advantage of possible increases in limit. I have no intention of racking up debt. I started my rebuild in May 2019. Question is should I try for CLI to help my utilization? I don’t want to rack up hard pulls. Advice please.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
3 REPLIES 3
mikesonthemend
Valued Contributor

Re: Overstock Approved - Advice / should I try for CLI

Go for it!




Living through Darwinism is so much worse than learning about about it in school.
Message 2 of 4
Rebuild2019
Valued Contributor

Re: Overstock Approved - Advice / should I try for CLI

Thanks. I want to take advantage of what this card could do for me. Thank you for responding.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 3 of 4
chiefone4u
Established Contributor

Re: Overstock Approved - Advice / should I try for CLI

Overstock is almost always a SP for CLI (as are most comenity cards). I would wait until you have made a payment on the account and a statement has cut first.

I received my first CLI on Overstock card 60 days after opening, then every 31 days until $5k limit then it went to every 65 days I get one YMMV.

All of my Overstock CLI's have been SP; DW went from $2,500 to $8,500 with a HP with no warning of possible HP for increase (which is why I warn HP for CLI is possible).
Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 4 of 4
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