shifter's Rebuilding Thread

[shifter]

On 5/15/2024 at 7:00 PM, shifter said:

Got a bee in my bonnet tonight to CLI with Disco.

Another night, another bee.

 

Chrome

8.8k -> 11.2k

 

it

29.5k -> 31.5k

 

Wife it

28.5k -> 31.5k

 

Same as last time - they have me on the $2k track and the wife on the $3k track for some reason.

[shifter]

On 1/16/2024 at 10:45 AM, shifter said:

DCU CLI for me today.

 

$25k -> $35k

Took the effort to curate my CC balances last month for another DCU CLI since it's been over 6 months - only to be declined because they want to see a year.  

 

On the flipside I did get my EQ FICO8 back up to 831 for what that's worth.

[shifter]

On 2/6/2024 at 10:48 AM, shifter said:

Put a decent sized purchase on the card last month and tried for a CLI yesterday after paying it off. 

 

$19.5k -> $21.5k

Haven't used the card since then and got another flat decline at the 180 day mark. They definitely aren't happy that we never use it.

Edited August 31, 2024 by shifter

[shifter]

On 3/1/2024 at 11:08 AM, shifter said:

NFCU CLI for the wife this morning instantly approved. They are 6 calendar months exactly between CLIs. 

 

$27k -> $35k

Another 6 months another $8k. Last one in 6 months! 

 

$35k -> $43k

[shifter]

On 8/1/2024 at 5:21 PM, shifter said:

Another night, another bee.

Another Disco CLI attempt.

 

Chrome

11.2k -> denied

 

it

31.5k -> 34.5k

 

Wife it

31.5k -> denied

 

Can't really complain as the two denied cards have gotten barely any use. They live for the action.

[MP80]

12 hours ago, shifter said:

Another Disco CLI attempt.

At that credit limit now it is insurmountable to go inching higher on that level.

 

My credit limit is $35,400, it's been 5 years, and I can't increase it by $300.

[shifter]

On 10/28/2024 at 11:34 PM, MP80 said:

At that credit limit now it is insurmountable to go inching higher on that level.

 

My credit limit is $35,400, it's been 5 years, and I can't increase it by $300.

Do you ever use the card for more than pencils? I've found that if I put a few thousand of spend on it one month, they will give me a CLI the next month pretty reliably. 

[shifter]

On 5/28/2024 at 9:58 AM, shifter said:

CLI day again. Citi seems to be feeling extra generous with Costco right now.

 

DC: $33k -> $38k

Costco: $33.5k -> $41.5k

Wife DC: $31.5k -> $36.5k

CLI day again. Same results - extra generous with Costco. 

 

DC: $38k -> $43k

Costco: $41.5k -> $49.5k

Wife DC: $36.5k -> $41.5k

Wife Simplicity: decline again

[shifter]

On 10/28/2024 at 11:04 AM, shifter said:

Another Disco CLI attempt. Can't really complain as the two denied cards have gotten barely any use. They live for the action.

Another Disco CLI day.

 

Chrome

11.2k -> denied

 

it

34.5k -> denied

 

Wife it

31.5k -> 34.5k

 

Same as before - the wife's card got a couple of nice charges last month and PIF today and they show the love. The others haven't seen any action.