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WOW, Thank You JCPenney for the increase!

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FicoScore626
Frequent Contributor

WOW, Thank You JCPenney for the increase!

Just logged into my account just now and my eyes bugged out a bit when I saw that my credit limit was now $1700, up from $1200! That'll help my utilization a bit. Credit gardening for the win!

Message 1 of 20
19 REPLIES 19
Anonymous
Not applicable

Re: WOW, Thank You JCPenney for the increase!

Congrats! I got an increase last week. Was at 200 CL and now 1800!!! I've only used the card twice.
Message 2 of 20
score_building
Senior Contributor

Re: WOW, Thank You JCPenney for the increase!

Three cheers for the gardener! Smiley Happy

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 3 of 20
Anonymous
Not applicable

Re: WOW, Thank You JCPenney for the increase!

 Congrats!!!! I too recieved a increase last week. 1800----->2100. Smiley Happy

Message 4 of 20
herkemeyer
Member

Re: WOW, Thank You JCPenney for the increase!

How long have you guys had your accounts?


Starting Score: 643
Current Score: 657
Goal Score: 700


Take the FICO Fitness Challenge
Message 5 of 20
Anonymous
Not applicable

Re: WOW, Thank You JCPenney for the increase!

             My account will be a year old in Feb. When I first got the card cl was 800. Four month mark hit the luv button ------>1800. This last increase to 2100 was auto. I kept getting denied when I tried the luv button four months after the first increase.

Message 6 of 20
vish1
Valued Contributor

Re: WOW, Thank You JCPenney for the increase!

JC Penney is pretty good at giving CLI, or rather once u have ur card for a few months 3-4, they do the first CL adjustment or realignment so the first increase looks really high.

I started mine with 300 in march 2010 (instant approval in store with only 2 months credit history). I was upgraded to 1500 in 3 months and now its 1800

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 7 of 20
FicoScore626
Frequent Contributor

Re: WOW, Thank You JCPenney for the increase!


Opened the account on August 2009.. Started off with a paltry $150 credit limit.. Got declined for EVERY credit line increase request I made. Then around June 2010 I was automatically increased to $700. Then a few months after that I was bumped up to $1200 and then in January 2011 I received my current limit of $1700..

 

I'm now tempted to get rid of my two sub-$1000 credit cards but I'll hold off on that until I see how things play out this year. The First Premier card ($350) DEFINITELY needs to go. I'd like to keep the HSBC 2% card ($420) though.

 

Message 8 of 20
Anonymous
Not applicable

Re: WOW, Thank You JCPenney for the increase!

I got my card in April 2010..Bought Oregon Ducks Gear and some curtains.

Message 9 of 20
tray
Valued Contributor

Re: WOW, Thank You JCPenney for the increase!

Congratulations to all of you on this thread for your cli's , but JCPenny for the most part can play hard ball in getting cli's,  I have had my card close to 2 years now, and have been stuck at $1,800.00.  I always pay on time and in full every month so I do not know what the rhyme and reason is sometimes


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 10 of 20
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