Now at 12,500!
Gotta love Bank of America!
Gotta love Bank of America!
BOA CASH REWARDS CLI
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Help, I need an approval!
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DW Discover approval
My DW was approved with an Eq 714 score last week. $6500 limit.
They did request a copy of her ss card and a recent statement with the home address on it, and they called and asked her to name a few cards on her reports then approved her.
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J Crew cli
When I paid off my small Christmas balance last week hit the cli button since it has been about 5 months. Went from $5600 to $6000.
Not really interested in pushing the envelope, have high enough limits on my Comenity cards. My Dillard's is the only store card I want substantially increased as we use it a lot.
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Question about discover secured
so i just got this screen todday for my discover it secured card, it said the application was pending verification from my bank funds. One week after the funds were taken from my bank account. Im wondering how long it takes from this point to receive my card now?
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AMERICAN EXPRESS
I WAS APPROVED FOR THE AMERICAN EXPRESS EVERYDAY CARD FOR $2500.00
THEN APPLIED FOR THE BLUE CARD AND WAS TOLD TO CALL IN TO CUSTOMER SERVICE
TALKED TO THE REP AND WAS TOLD 3 TO 5 BUSINESS DAYS .
WILL I B DENIED
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YOU GUYS ARE STILL AMAZING......MY APP SPREE!!!
You all are some of the most AMAZING people I've ever met on a platform such as this. My last update was about 7
months ago, after declaring a ceasefire on my application addiction....Lol. Since that time I took some time away to regroup
and grow the accounts I did have. I'm all the better for it and the encouragement and wisdom I received has made me smarter
and wiser with my credit. So, THANK YOU all so very much. I am completely humbled by the wealth of knowledge on this
forum. Having said that, on to the results.
Last week I decided it would be alright to stick my head out of the garden for some CLI's from my favorite bank, Synchrony.
I was not ready for the first wave. I applied for increases on my Amazon, Walmart, Chevron, Smart Connect and JCP. Hadn't
asked for any since the summer and their answer on all was a resounding, NO! What?!?!?! My TU was a 690. After
picking up my pride and my dignity, I grew determined, thanks @pizza1 for your inspiration.....
!!!
The next day my TU went up 708, so I went hard after reading some of the successes from some of the Fico family. So I got
my IPad and went to town:
Stash Platinum Visa - APPROVED (SL $4,000, called in, new limit $12,000) TU
Ebates Platinum Visa - APPROVED (SL $1,800, called in, need to receive and activate card first) TU
TJX Store Card 
- APPROVED (SL $400, called in, new limit $4,000) TU
The Gap Visa [in store] - APPROVED (SL $800, called in, new limit $7,000) TU
Cabelas Visa - APPROVED (SL unkown, will call in, TBA) EQ
Chase Amazon Visa - APPROVED (SL $500, do they recon new limits????)
I'm over the moon..........
!!!!! Finally got in with Chase, even if the limit is itty bitty.....
Cabelas was a shock since they denied me last summer. Waiting on the Ebates card to come in so I can call back.
Of course, there were a few denials: Barclay, Discover, IHG Chase (too many new accounts), and Citi AA.
Still not there yet, but I'll take these. Can't understand Synch not budging on my old accounts and blessing my
new ones. Oh well, such is life!
Now its time for closures, but I'll start a new thread in the credit card section. Again, from the bottom of my
heart, thank you for helping me on my credit journey. It's great to be back......YOU'RE AWESOME!!!!
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Amazon Prime Surprise CLI Alert
Received an alert on my phone today that Synchrony Bank had incresaed my
credit limit from $900 to $3500. Just had cut 7th statement. Nice!
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Citi Double Cash Approval
I received a invitation in the mail today from Citi, and I wasn't going to apply cause I always get denied by Citi, but I was bored, so I applied instant approval. With a SL of 3,300. Equifax pulled 661 the only Citi backed card I have is Bloomingdale's with a 18k limit.
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Discover cli love
- Haven't used it much but did get a whopping 500 increase on this today bringing me from 18.5k to 19k. Wooohooo
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SHUT UP!! Amex PRG and BCP both approved!
well I swore I was gonna garden until June, but my app finger was twitching... BCP was approved for a 1k SL and max apr but I know over time I will be able to grow it and get the apr down, mayyybe I should of waited 2-3 weeks to let some new balances update but oh well at least approved!! and will try for a 3x CLI when the card comes, score was a 733 at the time of app, no negs just a thin file (only about 1 year of history) in about a week once some new balances report I plan to try for an ebates and stash card!
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Amazon Store Card Approval!
Long story short my credit is messy. I have 2, 6 year old charge offs that are really ruining my UTL. Before this approval my only card was a 6 month old QS1 card that just reached a $1300 limit. My TU, EQ are both 623 and my EX is 618. I was approved for an amazon prime store card with a limit of $800, not much but enough to get my utl under 50% with my charge off. I never carry a balance on my card but allow it to cut with 2 or 3% utl. Well worth the TU pull. I figured it wouldn't really do much damage since I only had one HP any way. I am so thankful for this community and all the support it offers rebuilders
THANKS GUYS!
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USAA Classic
Applied August 2015. $1K SL Used lightly. Primary use, pay USAA Insurance, Costco Gas. (Classic Amex)
February 17, 2016. Woke up to check posting of Insurance bill, as it should on the 17th. USAA gave me a $1k CLI. Limit now $2k.
No alerts, no notices, no messages. So confused. I'm worthy of a CLI on my Classic, but not a graduation. Ok. Whatev's. UTL is better now. That works for me.
There's a USAA Classic Card data point.
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Good Apping Weekend :)
Went over to amazon for a new Gtek decided to go for the card , also liked table over at Value City and went for card as well.
I signed up for the 6 month free prime membership for students to take advantage of the 5% deal, that plus the gift card for getting approved for the amazon card made a good deal on that new Gtek. It was a Great Weekend!
Amazon Card: 1100.00
Value City: 1000.00
and a suprize CLI from my (4 month old) Quicksilver: 500.00 ---> 1500.00
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Got approved for AmEx Everyday Card
I got approved for 6,000 with AmEx for the everyday card. However, they won't give me a 3 x CLI with my blue preferred card! Go figure!
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Got approved for BuyPower card in December
I got approved for a GM Buy power card in December in the amount of $300 and I also applied for a Capital One Platinum card.....both were pre qualified mailers that I received in November and December. I applied for them both weeks apart and was approved for the BuyPower card and the other card I got the 7-10 day message and thought no more about it.
I received my buypower card and when it arrived it had an insert with the card saying this card would get an increase after making 5 payments on time, so I thought cool....that's a good thing.
Fast forward to today almost 2 months since I applied for these cards, I got an email from Cap one saying my new credit card was on the way.....I had actually forgotten all about the Platinum card until I got this email. After I got the email I remembered the 7-10 day message. So wow!!!!! Almost 2 months later and approved!!!
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sun Country Airlines (FNBO) CLI approved
A couple of days ago, I got a $2,500 increase on my Rakuten mastercard. Called today and received a $2,500 increase on my Sun Country Airlines card today. New limit $12,500. Tried SP on Overstock Mastercard but it was a no go.
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Discover CLI
I got approved by Discover in August. It was my lowest limit but I see so much growth from others that I knew it would be OK. Well my 1St increase was in November to $4,500. My statement just cut so I thought what the heck.
I got a $3k increase bring my Cl to $7,500!!! I love unexpected increases!
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My 5/24 experience with Chase brand, Co-Branded, & Business.....
I recently opened 5 new credit cards in the last 6 months and each one of them had my wife as an authorized user. She applied for a Chase Freedom and was automatically denied due to "too many new cc accounts in the last 24 months." She currently have zero cc accounts so Chase does count authorized users. She then applied for the Marriott Rewards card and was instantly approved for 8K. Called them up regarding the Freedom card and told them that she was only an authorized users and not her accounts. They were willing to reconsider, which was great. On both applications, Chase pulled EX.
After that, I applied for both the Ink Plus and United Biz cards. Both cards auto declined, but it's because two of my credit report bureau were frozen (EX & TU). I left EQ open because i had collections on both EX and TU. Both times, they tried to pull EX. I call biz recon and ask that they pull EQ instead, but they told me only the original "EX" and I would need to get the freeze remove or a temporary lift on it. Call biz recon 3 times with 3 different rep and they all told me the same thing.
From my past experience, Chase pulls EX where I live and pulls EQ where my son lives. So I reapply for the Ink Plus using my son's address. I didn't get an instant approval as expected, but I did receive an instant call from Chase fraud department. I answer all the questions correctly as well as the security code sent to my cell phone. The rep was very nice and I was very nice to her as well and thanking her for taking her time to call me and etc. When we were done, she said she would send my application out to recommend for approval. The next morning I call the Chase CC line to check application status. The automated line said I was APPROVED for 10K for Ink Plus and still giving me the 7-10 days message for the other 2 application I applied for before (even though the biz recon reps already told me it was because of frozen credit reports). A few hours after I found out about the approval, I received a notice regarding a change in my credit report. I took a look and saw that an inquiry was added to my EQ report and my fico score went down 7 points. This was great becuase that was my intented goal.
These were the scores my wife and I had at the time.
Vantage / FICO
Hers: EQ- 718 / 668 TU-674 / 653 EX-717 / 666
Mine: EQ- 719 / 776 TU-684 / 712 EX-688 / 695
.....DATA POINTS.....
* I have seen Chase approve 2 personal credit cards in one day. 3rd one is auto declined.
* Chase Biz, only want to pull the original credit report that they chose.
* Chase Biz, don't follow the 5/24 rule as of 02/2016. (rumor to start 03/2016) which is why I pulled the trigger and applied.
* I saved 2 inquiries by having my credit report frozen for the biz applications.
* I save 1 inquiry by not applying for the Chase Sapphire Preferred (5/24 rule).
* Chase brand cards count authorized users towards the 5/24 rule
* Chase co-branded cards don't follow the 5/24 rule
* When your credit report/score seem ideal to apply, wait 2-3 months. Chase pulled my report that was about 2 months prior to current.
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US Bank Platinum P/C to Cash Rewards :)
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