MooseMoney's Progress Thread!

[moosemoney]

Quick update. No big changes except I got suckered into geting a Macy's card when I was there last time (20% off then an additional 25% - I'm a fool lol). I was approved for the Macy's AmEx with a $6000 limit.

¯\_(ツ)_/¯

Does anyone know if I can I do the 3xCLI on this AmEx in 91 days? I already have an AmEx BCE that was opened in February this year....

[LakeLife]

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@moosemoney wrote:

Quick update. No big changes except I got suckered into geting a Macy's card when I was there last time (20% off then an additional 25% - I'm a fool lol). I was approved for the Macy's AmEx with a $6000 limit.

¯\_(ツ)_/¯

Does anyone know if I can I do the 3xCLI on this AmEx in 91 days? I already have an AmEx BCE that was opened in February this year....

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You should be able to as long as you haven't gotten a CLE on the BCE.  If you have, you'll more than likely have to wait 180 days from that point. 

[moosemoney]

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@LakeLife wrote:

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@moosemoney wrote:

Quick update. No big changes except I got suckered into geting a Macy's card when I was there last time (20% off then an additional 25% - I'm a fool lol). I was approved for the Macy's AmEx with a $6000 limit.

¯\_(ツ)_/¯

Does anyone know if I can I do the 3xCLI on this AmEx in 91 days? I already have an AmEx BCE that was opened in February this year....

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You should be able to as long as you haven't gotten a CLE on the BCE.  If you have, you'll more than likely have to wait 180 days from that point. 

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I did. I opened the BCE in February with a starting limit of $10,000. In June I went for my CLI (waited longer than the 90 days because I wanted to make sure my ducks were in a row first) and only requested $20,000 total instead of the 3x and it was approved.

Do you mean I should wait 180 days (for a CLI on the Macy's AmEx) from my June CLI on the BCE, or 180 days from the opening of the Macy's AmEx? 

[Anonymous]

Just read thru this entire thread and all I can say is excellent work Moose!! Gives me inspiration on my rebuild, keep it up.

[moosemoney]

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@Anonymous wrote:

Just read thru this entire thread and all I can say is excellent work Moose!! Gives me inspiration on my rebuild, keep it up.

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Thank you!!! It was overwhelming at first but I just tackled one or two things at a time and it became much more manageable! 

[moosemoney]

Went ahead and got the Apple credit card. Was only approved for $6500, which a year ago would thrill the pants off of me, but nowadays it's pretty standard. I've become jaded lol

Data points:

Date: 08/22/19

Limit: $6,500

APR: 17.99%

Previous available credit: $36,300

Current overall UTI: 10.5%

Current FICO8 scores: EQ-719 EX-725 TU-722

Inquiries prev 24 months: EQ-3 EX-3 TU-1

Inquiries prev 12 months: EQ-0 EX-2 TU-0

Annual income: $56,000

[AverageJoesCredit]

Grats but i wouldnt look at $6500 as only. To each their own i guess

[joltdude]

Uhm @moosemoney  6500$ for Apple Card is nothing to sneeze at... 

Least from my current experience.....

(see my signature)... 

When you said "standard" what you really meant is.. it was in line/status quo with your other limits..  Proportedly you can try for an increase in 6months =)

-J

[moosemoney]

It's been a long time since my last check-in. I've been slowly climbing the FICO ladder and increasing my credit available. My scores have been pretty stagnant as of late due to inquiries, but I've gotten to the point where I am going to tend to my "garden," (minus any SP CLIs).

I got a handful of new cards while Christmas shopping for the benefits; cards I normally wouldn' t care all that much about, but saving over 20% on a purchase and getting move overall available credit was too good to pass up. I tend to try and go for a CLI every 6 months on each card. Here's what's happened since my last post where I opened my Apple Card with "only" a $6500 starting limit 

November 2019: Best Buy Citi Card, CL $1000 

November 2019: Ulta Credit Card, Requested CLI from $800 to $1300

Decembver 2019: Victoria Secret Card, CL $1000

January 2020: American Express Blue Cash Everyday, Auto CLI - from $20,000 to $23,000

January 2020: Kohl's Card, CL $1000

February 2020: Apple Card, Requested CLI - from $6500 to $8000

February 2020: Old Navy Credit Card, Requested CLI - frmo $1400 to $2400 (only asked to go up to $2000)

I need to update my signature lol

My Currest Cards/Limits are as follows:

American Express BCE $23,000

Apple Card / Goldman Sachs Mastercard $8000

Macy's American Express $6000

SunTrust Cash Rewards Mastercard $5500

Discover IT $3100

Old Navy Store Card $2400

Ulta Store Card $1300

Best Buy Citi Visa $1000

Victoria Secret Store Card $1000

Kohl's Store Card $1000

Total: $52,300

[AllZero]

Congratulations on your success!