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Rewarded for not leaving the garden

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Iorek
Contributor

Rewarded for not leaving the garden

So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

 

The powers that be were rewarding me for my discipline Smiley Happy

Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.
Message 1 of 10
9 REPLIES 9
youngandcreditwrthy
Senior Contributor

Re: Rewarded for not leaving the garden

Congrats!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 10
09Lexie
Moderator Emerita

Re: Rewarded for not leaving the garden

Message 3 of 10
Anonymous
Not applicable

Re: Rewarded for not leaving the garden

Way to resist temptation and grats on the CLI.
Message 4 of 10
SunriseEarth
Moderator Emeritus

Re: Rewarded for not leaving the garden


@Iorek wrote:

So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

 

The powers that be were rewarding me for my discipline Smiley Happy


Congrats on CLIs!



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Sephora VS $11900 | Belk MC $10000 | Rakuten AMEX $10000 | Wayfair MC $9500 |~~
Message 5 of 10
MsLadyRover
Valued Contributor

Re: Rewarded for not leaving the garden

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 6 of 10
myjourney
Super Contributor

Re: Rewarded for not leaving the garden


@Iorek wrote:

So I arrived home today to find my first ever Citi advertisement for a 50k points/$3k spending AA card offer. It was tempting but I knew my credit report was still healing from my new accounts in July/Aug. To satiate my thirst I tried for a CLI on Discover, knowing they are good with soft CLIs and will inform if a HP is needed. I tried the automated line and got forwarded to a rep as they "needed more info". I was asked for my reasoning for the CLI and received a $1k increase (so $1k->$2k) with no HP. Told her that was plenty and went on my merry way. This was on top of a $200 soft CLI that I got at my 1 year mark a month and a half ago.

 

The powers that be were rewarding me for my discipline Smiley Happy


WTG keep up the good work

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 7 of 10
BearsAndTurtlesRtheBest
Senior Contributor

Re: Rewarded for not leaving the garden

That surely cured your temptation from that CITI offer. Congrats!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 8 of 10
Anonymous
Not applicable

Re: Rewarded for not leaving the garden

Good for you! Congrats on resisting the impulse to app when the time wasn't right for you, and getting soft CLIs instead. Way to go!

Message 9 of 10
Iorek
Contributor

Re: Rewarded for not leaving the garden


@BearsAndTurtlesRtheBest wrote:

That surely cured your temptation from that CITI offer. Congrats!


It really did! Too bad the offer expires right before I could first consider sneaking out of the garden (mid January, for max backdating for a hopeful Amex BCP). I would consider taking them up on it otherwise.

Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.
Message 10 of 10
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