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Master 2019 Approvals and CLIs Thread

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14 hours ago, bigpoppa09 said:

BoA Cli Luv 

Your new total credit line is $85,000.00 with a cash credit line of $25,500.00 and is available for immediate use. 

BigPoppa, 85K is a BigNumba.

 

On BOA, no less. I have hope for the future...

 

Congrats to you!

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US Bank Cash+ finally did an auto CLI after close to a year, $1k -> $1500. 

This was also the first time I didn’t pay the balance and let it carry past the statement date. Is that what you have to do to get CLIs?? Carry high balances? 

 

All my cards are less around a year, or less. I think oldest is about 15months. Seems soooooo slooooowwww to build any decent limits. 

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OK, CB experts, I have a question about the reliability of MyFico (MYF) and Experian (EXP) simulator tools.  If there is a different forum or place to ask this, please let me know.

 

Background

I currently use both MYF and EXP to watch my credit.  Both appear reliable on their predictions. 

 

Our 15 accounts have a line >250K, our utilization is low (<6%), and file is old and clean.

 

Both MYF and EXP tools are indicating that in 10 months, my score could reach 845.  The 845 score simulations show that my path to 845 is gated by both age and amount of credit.

 

Aging: Over the next 10 months, I have 5 INQs that age off, and 1 card that reaches 1 year of age.  

 

Amount: We did 2 large purchase that we could pay down immediately, but both are on 0 APR, so there is little financial motivation to do so. We also have a small ($25K) mortgage that we need to wait for promotional reasons until August (long story, but not material) to pay off.

 

Question

Have any of you fellow CB experts found these simulators reliable, or only suggestive?

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Luv button on both Cap1 Quicksilver cards produced

$750 -> $1250

$500 -> $1500

 

Both also had high balances carried this month. I feel like there’s a pattern here. 

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9 hours ago, IndyPoolPlayer said:

Patelco Credit Union MC - CLI $8500 to $10,500

 

(I rarely use it - like once per year for less than $10 - so rather surprised at the CLI)

If you want to get a mortgage there and hope to close by mid-2027, I'd suggest you get started now.

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8 hours ago, astro777c said:

FNBO SP CLI from 26K to 30K.

 

This card account is a growth machine.

Congrats!!!

 

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Not credit but checking account at Wells Fargo. Signed up for the $400 bonus with $3,000/month direct deposits for three months and the free Experian FICO 9 Score.

 

https://bonusoffer.wf.com/bonusoffer?ef_id=Cj0KCQjwrdjnBRDXARIsAEcE5YmkGgHRAZhqdK4SmHPpN50U0wW8h15GjhxIyv9g6-VnJ5nRZnC9lykaAkPpEALw_wcB:G:s&gclsrc=aw.ds&ds_rl=1267200&gclid=Cj0KCQjwrdjnBRDXARIsAEcE5YmkGgHRAZhqdK4SmHPpN50U0wW8h15GjhxIyv9g6-VnJ5nRZnC9lykaAkPpEALw_wcB

 

Applied online and was approved instantly. I put in a deposit of $50 charged to credit card. No hard inquiry. I was able to see FICO score on first login.

 

I might apply for Propel and Cash Wise cards if there are decent signup bonuses.

 

 

 

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21 minutes ago, credit_help said:

Not credit but checking account at Wells Fargo. Signed up for the $400 bonus with $3,000/month direct deposits for three months and the free Experian FICO 9 Score.

 

https://bonusoffer.wf.com/bonusoffer?ef_id=Cj0KCQjwrdjnBRDXARIsAEcE5YmkGgHRAZhqdK4SmHPpN50U0wW8h15GjhxIyv9g6-VnJ5nRZnC9lykaAkPpEALw_wcB:G:s&gclsrc=aw.ds&ds_rl=1267200&gclid=Cj0KCQjwrdjnBRDXARIsAEcE5YmkGgHRAZhqdK4SmHPpN50U0wW8h15GjhxIyv9g6-VnJ5nRZnC9lykaAkPpEALw_wcB

 

Applied online and was approved instantly. I put in a deposit of $50 charged to credit card. No hard inquiry. I was able to see FICO score on first login.

 

I might apply for Propel and Cash Wise cards if there are decent signup bonuses.

 

 

 

wells fargo? really? congrats??

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wells fargo? really? congrats??


Yes. Thanks. I thought they wouldn’t pull anything like they did - bogus accounts - anymore if they were caught and paid fines.
I keep up with my accounts online and watch credit reports monthly even if they did.

They seem to be implementing/implemented audit trails to prevent employees opening fraudulent accounts.

I might keep the checking account open just for the free monthly Experian FICO 9.

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1 hour ago, credit_help said:

Target REDcard auto CLI to $9,000 from $7,000.

Time to stock up on Q-Tips and Windex.

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Time to stock up on Q-Tips and Windex.

I still have the box of Q-Tips I bought several months ago. Windex bottle from god knows when is still not even close to half-empty.

 

I did buy a 80 loads bottle of Percil laundry detergent and two bottles of water softener from Walmart yesterday. I thought of buying it at Target for the 5% cash back and the auto CLIs they have been giving. But, I did not want to cross the road to go in to Target.

 

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$2.500 CLI on my Marvel card that I use once every 3 months for a tank of gas to keep it active.  I ask for a lot more than that and they promptly shut me down.  Same way they did when I called in.

 

$7,500>$10.000.

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Posted (edited)

All this month!

 

New credit: DCU PLATINUM credit card - $5000 starting limit.

 

Funny part... A day after DCU card started reporting on my Equifax I got an auto increase on my NFCU  go rewards card from 4500 to 5300. Seems navy wants to be my highest limit prior to DCU. NFCU wanted it's crown back.

 

NFCU also upped nrewards card from 3000 to 4000

 

Equifax at the time 664 fico8 

 

Today I decided to try synchrony again. First up Walmart. Tried 5k... Denied, 4k... Denied, 3k... Denied, 2k... Denied, 1k... Denied. They refuse to budge on my 500 limit. Wonder if there is a freeze on Walmart cards for limit increases due to takeover?

 

I thought all hope was lost but decided to try my other 2 synchrony cards (these 3 only ones that survived synchrony wrath of shutdowns when my credit tanked 4 years ago and only survived because there was a balance on them. They even balance chased me so I kept charging and slow pay to keep them active. RIP; Old navy, thx, carecredit, Lowe's, JCP, Chevron) anyrate tried pay pal smart connect store card and requested my standard 5k from them during a denial. Floored to see they countered to 3500! 1000 - 3500

 

Gave me some hope with Amazon store card. Limit was 600. Requested standard 5k and they countered with 3000! 600 - 3000

 

Unbelievable! Which leads me to believe there's a hold on increases with Walmart

 

TransUnion fico8 670 

 

Quite the hall for me! Best ever in my life actually

$11,700 in added buying power 

Edited by soccrstar

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2 hours ago, soccrstar said:

Unbelievable! Which leads me to believe there's a hold on increases with Walmart

 

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On 6/3/2019 at 8:58 AM, Kat58 said:

Congrats!!!

 

Thanks-This is one solid regional that seems to be relatively stable and advances you reasonably in periods of 4 to 5 months or thereabouts.

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I was shocked to see this being it's Sir Barclay's logged in to pay off balance auto love 25K>Available credit $37,500.00

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