2k CLI- my reward for being a nervous wreck

[KateInquires]

Hey fico fam-

I recieved an unprompted CLI on my M&T Visa Rewards card today. SL was $6000 (opened in May '23) and today increased to $8k! 

All because I'm such a nervous wreck about balances reporting. My statement cuts today and I recently transfrerred my entire balance (1600) to my CU credit card, Del One Visa (Im in DE and it's a local credit union). When I realized the payment did not post yet as of yesterday, I got nervous and pulled 1600 from savings to cover it. Low and behold, they both posted. So my balance is now -1600 and my new credit limit is apparently 8k!

My current scores are painfully TU 698, EX 698, EQ 697. Had a CLI on my Sams card this week as well- 2k to 3k. Send all the happy fico vibes that these two increases will finally get me to the 700 club! 

[keekers]

Congrats and try and relax a bit, haha.

[KateInquires]

Haha, solid advice!

My scores were low to mid 600's a few months ago. Thanks to a divorce settlement i was able to pay down about 20k in cc balances that i accumulated over the years. I know a score drop isnt the end of the world but its important to me to get to 700 since ive never been able to break through to that.  Thanks!! 

[Rdbeetle]

Congrats on the $2k CLI!!!

[FicoMike0]

congratulations on the cli!

[CorpCrMgr1]

Congratulations on your CLI!

[Priory_Man]

Congrats on the increase, balances happen you just have to roll with them

[CYBERSAM]

Congrats on your CLI 🤑👍

[JoeRockhead]

Nice, congratulations!

[KateInquires]

Update- 700 club!!!! Finally!! 

This has been a personal goal for the last 4 years. Fico Eq is 700 and Fico Experian 701. Transunion actually dropped to 694- I believe it's because I bit the bullet and closed my cap one Quicksilver One rewards (started at 300...2 years later it's at 500)...good riddance). I think transunion will catch up once the new 2k limit reports. I have a really thick file so I'm surprised closing that little card made such an impact. No regrets though, AF was coming in May.