Anyways been really busy at work and side gigs. Finally got time to check my credit spreadsheets and took the gamble and asked for CLI across most cards, considering Chase is free SP now instead of taking the ding I went ahead. Here's my results: 21K total increase!
Credit
US Bank Cash+ old credit: $14,000 to $18,000
Bank of America old credit: $4,000 to $5000
Discover old credit: $12,500 to $15,500 (was $9,500 4 months ago!)
Amex Amazon Biz: $14,500 to $17,400
CSP old credit: $7,800 to $13,900
CareCredit : $4000 to $8000
I was pleasantly surprized by CSP, and lowballed my BofA cuz I had denial last time for asking (no 2nd offer), both cards only had monthly subscription on them. One thing is I'm not 100% certain is once you link a bank with a sustanial amount of cash, the algo opens up a brighter possibility. Fico score is 780s-800, Average age of account is 2.5 years, oldest is 7, income 60K. I added a few thousands into a Discover saving account and linked it to Chase and other banks and suddenly I feel they give me the "luv" option. Just paid off my car last year, so I think they know i have some extra money. Currently saving like nearly $3K/month and investing (stocks).
Hmmm, I've never noticed linked accounts have had any impact on my credit accounts; I have several linked, with total assets up in significant digits.
yea I'm a low spender, Biggest purchases where $1000 gaming card, $1500 OLED HDTV and $1500 Washer and Dryer the last 3+ years. So yea I dont' spend much, I feel it always something they had that against me. Also I didn't link any of my cards/account except to my main credit union which I have no credit card with. But this year I suddenly decided to link to Chase and others cuz I felt like they always have the "non-suffiecent" funds in bank as an excuse, esp. Bank of America, even if I put $500+ a month spend on it. I didn't realize Discover had a "okay" APR for savings so I decided to put some of my money in there instead of my CU with like bearly no interest.
@MudkipsRKooL, yeah, I have a similar scenario; the only "savings" account I have in a credit union which pays someone fair interest is PenFed (3.00%), however, I do have a small CD (with a limited upside) with NFCU (5.16%). Then there is CapOne which is paying 4.35% on their top savings account and TDBank which is paying 4.00% for their best savings account. Given I'm in house hunting mode right now, I have a pretty tidy sum of money sitting in savings accounts just waiting for the right home to pop up on the market.
Nice haul; congrats!
Pretty nice all around, congratulations!
