- Green Member
- Posts: 18
- Joined: Fri Sep 27, 2013 7:35 pm
- Location: New York, NY
Hello all so I want to give you all an update and let you know your experience and advice have paid off for me, so THANK YOU!!
So to refresh your memories in Sept 2013 I started out with scores of TU 577, EQ 610, EX 610. As of this month I got the scores up to 799,732,742. I have been getting CC offers in the mail nearly every month from Citi, Chase, JCPenny, and one for a Walmart card. Some for Chase Freedom, Chase Slate, Citi Diamond Preferred, and Citi Thank you Preferred cards. I saved them all and withheld my temptation to pull the trigger. It was about 2 months ago I got an automatic CLI on one of my capone cards of 1500, and also just before that a 500 CLI on my Old Navy card. I opted to request a CLI on my Delta card and got it up to 2500. I was chicken to ask for the 3xcli you all speak of.
Fast forward to 3 seconds ago, I pulled the trigger on the Chase Freedom card and... wait for it...voila instant approval for 4500! Yes my heart was pounding. I know this may seem trivial to some, but to me it was a major breakthrough!
All I can say is YAY!! I opted for the Chase card because I bank with them and have had 2 auto loans in the past which I have never been late on. I figured if I was declined I at least had a stellar history to talk about if I needed to request a second look. I continue to pay everything early and almost in full, leaving about 10% on any card. I still have a 5000 bal on care credit card that I will consider doing a balance transfer on to the new Freedom card and take advantage of the 0% APR til 9/2015.
Happy Happy Happy!
EQ 9/2013 610; 5/2014 732
TU 9/2013 577; 5/2014 799
EX 9/2013 610; 5/2014 742
Amex Green Card member since 4/2012
Cap One limit 300 starter card was orchard bank now Cap One (5/2011)
Cap One limit 1820 starter card (4/2011)
Best Buy limit 300 starter card was HSCB then Cap one, now Citi.(11/2011)
Banana Republic (GEMB) limit 1100 (5/2011)
Care Credit (GECRB) limit 8900 (7/2012)
Amex Delta Sky Miles limit 2500 (11/2013)
Chase Freedom 4500 (5/2014)