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Tomo Card CLI Denial

Established Contributor

Re: Tomo Card CLI Denial

Good valid point @Lou-natic  Its a charge card with a week grace period. What's the point in CLI if you can't handle the lower spending power. 🤔🧐


Goal: FICO 700+; (0) zero inquiries (7/2025)
Message 11 of 14
Frequent Contributor

Re: Tomo Card CLI Denial

@FireMedic1 wrote:

This in a way this falls under EX's Boost type reporting. Isnt worth it. Drop it. Use your cards. Get CB and pay your bills on a monthly basis. So many headaches and weekly stress whats going to be taken out of my account. It will help with billing responsibility.

I agree with @FireMedic1 


I'd consider dropping this account and if you need something to build credit consider looking at cap1 cards or a secured card. Discover has one that typically graduates around 7 months. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $6000 | Chase FU $3200 | Amex Green NPSL | CSP $6000 | Discover it 3k
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Starting Score: 580s
Current Score as of May 2023: EX 692, TU 691, EQ 693
Goal Score: 700+

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Message 12 of 14
Valued Member

Re: Tomo Card CLI Denial

They only report to transunion for me. 3k limit shows as 0 on my credit report. They sent me an email in December saying they were going to close it if I didn't use it. So used it for a coffee. Pretty useless card. Might as well get a credit card unless you like the weekly payments. 


  I think they say it can go to monthly payments after a while? Not sure dont use it. 

Message 13 of 14

Re: Tomo Card CLI Denial

I liked it back when my credit was worse. It was something i could get that didnt do a pull and was unsecured. What happened to the OP happened to me and mine went from 250 to 500 and i am due for another increase soon but it is something i stick a monthly bill on and it stays in my sock drawer. I am collecting the points off it and paying it back with that. Pretty useless card but im getting payment history off it.
AMEX Bread Cash Back: 10.5k, PenFed PCR: 17.5K, PenFed Gold: 10K, FNBO: 3.1K, CapOne Venture: 5.5K. Chase Amazon: 3K, Best Egg, 2.5K, GM Rewards 2K, Apple Card 1.3K, Tomo 1K, American Express 19.5K (AU)
Message 14 of 14
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