I just can't keep my finger off the trigger.

I applied and was approved for an American Express Blue Cash Preferred.

$1,000 SLHow soon can I try that 3x CLI?

0% interest for 12 months, then 24.24%.

I was able to add it to Google Pay so I can start working on that SUB right away.

I got a notice from Experian that Amex pulled from them. My Ex 8 was 777. Dropped to 770 with this pull.

I was denied for a BCE a few months back. Reason given was too many recently opened accounts. Well, now I have more recently opened accounts than I did then, so I shouldn't be surprised at the limit. I was 2/6, 3/12, 6/24. Prequal page was showing Platinum, Gold, and BCP and I decided to go for it.

It had been about a year since my last increase, and I still use this card heavily. So I requested a CLI online on the website. 

Instant 3.5k increase with no hard pull. Total line now 16.5k. 

Scores all around 720ish and maybe 1 or 2 inqs total. I have been in the garden for quite a while without even really trying lol. 

Fidelity has been great to me; I love the card and the bank account.

I wish Apple would give me more. I use that one heavily and always PIF too. 

Off to a good start of the year

today was 6 months since my last NFCU CLI so was able to 3x from 1500 to 4500, instant approval 

My GoRewards is up for its first 8k increase next month at 91/3 so hoping for the same result there

More shockingly, I prequalified for the first time ever for Amazon Prime, normally it says it can't pull my reports. 

Applied 2 days ago, late night, went into review -- I called, 2 week message which for chase is typically promising. Called next day and it said 7-10 day so figured I'd wait for denial letter and didn't think anything of it. 

Chase closed all my personal, business, and my CSP accounts last year so I had low hopes of approval. I figured out reason, did something stupid with one of the business accounts to prevent an accidental ACH from processing, story for another day. 

This morning I received a secure message asking to call to confirm I submitted application, was approved on the call for $8,000 SL

Looks like Chase is allowing me back with a decent SL at that, I'll make sure not to mess it up this time so I can get CSR when I'm below 5/24. Impressed that given history and being over 5/24 that it went through but I'm here for it. 

Good April, looking forward to a good May with the next NFCU CLI

**edit**

Forgot to mention I also received my typical 3 statement period $250 CLI on my SavorOne bringing it to $2900 as well

Well, after closing my HH a couple months ago I decided to apply for both the standard again (100k points) and Surpass (155k points) using no lifetime language sub links. Approved for both with no pop ups! I've been in PUJ since January for all Amex cards, so I had to jump on these! That makes four new cards from two issuers in 30 days, only one HP total! I still have the Delta Gold after closing the HH and BCE in Feb and March, so both of these Amex approvals on 4/9 and 4/13 were still SPs. Both cards were only approved for $1000, but i have $21,000 that I can move from the Delta. My income is $48k a year.

After my other two recent approvals and new reported utilization of 15%, my scores are 760 TU, 741 EQ, and 715 Exp. New accounts currently reported are 9/24, 4/12, and 2/6. I've been with Amex since 2022 (first time ever). My credit has been messed up most my 41 year adulthood until 2019 when all baddies fell off, and not at the fault of credit cards (just bad luck with no health insurance hospital bills and two car repos in my 20s). My first credit card ever was actually in 2021 lol.

I need to enjoy life and start traveling. I've been a hermit for too long. The Surpass and Delta Gold (currently on a waived AF upgrade offer from Delta Blue) should push me to do so! In a year I will decide whether to keep the standard or Surpass, depending how much I take advantage of their perks. Same goes for the Delta on dowgrading back to the Blue or not.

The spending requirements will keep me busy for 6 months haha!

During my CH 13, I relied heavily on my BofA Debit Card as well as my Target Debit Card.

Both never failed me or let me down. I had become so comfortable using both cards, I made a decision before my DC that I didn’t need credit.

Well, THAT decision didn’t last long, and I began building a credit portfolio within days of DC. 

On a related note…while I replaced my BofA Debit c card usage with a BofA CCR two months after my DC..I retained my Target Debit Card but made the decision to avoid any additional retail store credit cards.

Today…I decided to close that chapter of my life by applying for the Target Circle CC to replace my Target Debit Card.

Instant approval on the Target Circle CC. I have no idea what my SL is. The approval only said I had a temporary limit of $1000, and that it was a portion of my SL.

I decided also to make this post to memorialize my Target Debit Card which enabled me to shop with convenience, while earning a 5% discount each time.

The Target Debit Card served me well. For anybody considering it, I highly recommend it.

Tried to request online but got the denial I m at the max limit due to policy so I called credit solution and they was able to raise it to 25k was at 20k pretty sure this is the max correct me if I'm wrong

My Tu4 vantage score is 797 my tu 8 fico is 745 no baddies accounts 0/6 2/12 3/24 iquires 0/6 2/12 2/24

I picked up a Quicksilver One card 2.5 years ago when I started cleaning things up.  As usual, a crappy CL, $500.  I did manage to get a $100 CLI early on but denied every time I requested one.  It got sock drawed and moved on.  Last fall when it was time for the AF I figured I would get rid of it, no point paying the fee with such a low limit.  Out of the blue I got a $5k CLI without asking.  I was able to change it over to a Quicksilver (no AF) so I figured what the hell, I'll keep it.  I don't even carry it but my wife puts a few hundred each month on it (PIF).  Fast foward 7 months, I noticed a CLI on my WF card yesterday so thoght I would try my luck on Cap1.  Plugged in $15k laughing a little and hit submit.  Instant approval.  I almost fell over, Cap1 handing out a $9400 CLI, lol.  Given the interest rate I would never do anything but PIF but figure the limit looks good on report.  Guess it wasn't bucketed after all, lol.   

These dps could be called “you win some, you lose some” - we went for 2x AAdvantage Plats with targeted 60k offers, then three weeks later the 75k offer came back. Part of going for Bilt was the ability to transfer to American Airlines, but then they announced AA being replaced by Alaska Airlines. Oh well - 120k between us is still great, plus I plan to PC mine and she’ll keep hers, and Bilt is still a definite keeper, with Alaska miles also being valuable to us.

Also, I had entered most of this in a Google Doc but forgot to post and then saw this post by @youngandcreditwrthy, figured I should share.

Info for both of my approvals

• Two months ago
• 0/6, 5/12, 12/24 revolving accounts - also had an auto loan 5 months ago (single inquiry)
• $85k income
• Age of oldest account - 18.41 years (spreadsheet shows years with decimals)
• Average age of accounts - 4.34 years
• Accounts reporting - 43 (30 open, 13 closed)

Instantly approved for $13.7k on Citi AAdvantage Platinum

• Pulled TU - most recent known TU FICO® 8 was 779 at the time, believe I have shredded the paper that showed which score they pulled
• TU inquiries - 0/3, 1/6, 3/12, 7/24
• Previous Citi relationship - Have three cards through them with the oldest being 4.38 years old, put over $1k spend on Citi cards monthly
• Was gardening for Rewards+ but saw 60k offer when logged into AAdvantage account, will hope I can still PC to Rewards+ in a year 10 months - not sure if the offer was actually targeted but was seeing 50k everywhere else, is a much better sign-up bonus than I would have seen with Rewards+ and the annual fee is waived the first year, only downside is delaying the 10% TYP refund but the sign-up bonus still puts the AAdvantage well ahead

Instantly approved for $15k on WF Bilt Rewards

• Pulled EX FICO® 9 - 770
• EX inquiries - 0/6, 3/12, 8/24
• Previous Wells Fargo relationship - Have two cards through them with the oldest being 4.17 years old, only put minimal spend on WF cards (will spend more with Bilt), used to have a mortgage through them for a few years, they flag me for identity verification when I try to open a checking account with a bonus but sure don’t seem to have an issue giving me credit cards
• Primarily using for dining (past $500 cap on Custom Cash) and Rent Day bonuses

P2: Instantly approved for $20k on Citi AAdvantage Platinum

• Don’t track her info but she was either 1/3, 1/6 or 0/3, 1/6; was definitely 4/12, no clue on /24
• Also don’t know scores - likely mid to high 700s
• $85k income
• Previous Citi relationship - Holds multiple Citi cards, has used balance transfer and other offers in the past
• Had been receiving mailers with elevated sign-up bonus and fixed APR for a long time
• Her card will be kept long-term, with P2’s son having moved across the country and American Airlines being by far the best airline to see him - while we are not brand loyal, we will fly American at least once every year, so we will keep one card between us

CLI attempts - two months ago (requested before applications, should be similar info as for approvals above)

• FNBO Best Western Premium - Requested $2k, $8.4k -> $10.4k - Approved (decent use)
• FNBO Amtrak Preferred - Requested $2k, $8.4k -> $10.4k - Denied: Insufficient experience on our account (is 10 days younger than Best Western, also decent use but may have been too early for Amtrak)
• Citi Premier -> Generic request - Declined: Too many recently opened accounts (put decent spend here/Citi in general, but probably need to wait until 0/6)
• NFCU Platinum - Requested $7.5k, $25k -> $32.5k - Approved (very little use, but have a lot of banking through NFCU and an auto loan)
• Elan Harborstone MCP - Generic request - Declined: TU hard pull blocked by freeze (decent use, probably need to wait until 0/6)

CLI attempts - last week (AAdvantage and Bilt have both reported, so above info plus them)

• WF Autograph - Requested $7k, $3k -> $10k - Countered with $1.5k, $3k -> $4.5k, option to accept or authorize hard pull - Accepted $1.5k (this is without much use on the card for over a year, plan to start using more with the 1:2 transfer ratio confirmed for the no fee Autograph)
• FNBO Amtrak Preferred - Requested $2k, $8.4k -> $10.4k - Approved (decent use)
• Elan Harborstone MCP - Generic request - Declined: TU hard pull blocked by freeze (decent use, probably need to wait until 0/6)
• Amex Hilton Surpass - $10k, $10k -> $20k - Declined: The income you provided is insufficient relative to your overall debt obligations as reflected in our records or on your credit report (high use; have gotten this response before, I am debating lowering the limit on my BBP as I cannot transfer limits business -> personal and believe I may be at the cap Amex is willing to extend to me)

Capital One QuickSilver CLI - Not Big Not too Small ... (NOT $100) respectable and not insulting.  

I'm going to give some data points. 

Once upon a time there was covid...  actually just before Covid things were getting tight... doable but tight.  Then you just give up.  I went with debt relief (don't think I'd do again).  I was told not to pay.  This racked up my cards way more.  I was told lots of fairy tales.   Almost all cards were in some  payment arrangement. Except Discover and the one baddie I have left.   I took their loan plan to pay off the rest again not including the baddie last March.  I got a loan with my bf in April for my new car after seizing the day selling the my car to carvana for a profit.   I used the profit for down payment for the new car.  But when I saw my credit score in the mid upper 500's.  I knew I had to start looking at my credit again ... I did have chargeoff with Capital One but they were negotiated and paid off early in my debt program.  

June 2023 I did preapproval with Capital One.  Was approved for a Platinum with $500 limit.

September 2023 I was offered product change to QuickSilver with same $500 limit. (My scores in the bottom 600's)

October 2023 I requested credit limit increase. I received a $300 increase making line a $800 credit line.  (Scores still on lower 600's)

November 2023 I got preapproval for SavorOne (not one with Subs but no annual fee) I was approved for $500. 

April 2024 (couple days ago) note March I had asked for increase but got the response too soon or what not.   Couple a days ago said my line increased by $100 (whoopy doo but I'm still happy in my heart) so my SavorOne is at $600.

April 2024 (Today) Let me give a little prequal ... my QuickSilver (no subs and no AF) due date was the 9th I had No Amt due because I pay in full every month.   But I had a balance of $567 of of my $800 balance.   Also important to note that last month approved for my 2nd NFCU Amex More Rewards for $8400. My 1st Card had unsecured months earlier to Cash Rewards $2000.  My Cap1 QS due date again the 9th. I paid entire balance on the 11th.  Statement won't be out until tomorrow or Tuesday.  

So, since Cap 1 has no rhyme or reason I said I'm not waiting after statement to request credit line increase.   I'm expecting a NO or expecting the lonely $100 increase.   My Fico8 scores are 670 plus and minus.  I make apx 65k and don't claim anyone else in household as income.   That baddie is still out there not paid. My chargeoffs are still on report but showing paid in full or as agreed.   1 late vehicle payment during covid i paid on time but for some reason it didn't go n through the computer and I didn't know until too late.  I have like 10 inquiries.   I have a Care Credit at 2k. AMission Lane at $600 and a Ally cash back card at $400 (sad I know... neither have annual fee... the Mission Lane has no spiffs at least the Ally does) I have a Kohls that increased from $300 to $700 couple months ago and VS store card with mere $200  (they did bait and switch approval). Now for the gentle drum roll! 

Anyway, I was currently at $800 with QS1. I asked for 2k. They offered $1300. I ACCEPTED ❤️  the $500 increase on top of my $800 QS card.   So in less than a year $500 platinum to product changed to QS $1300 line.   So maybe not huge like NFCU.  I'm going to stay the course.   I haven't paid 1 cent to interest on either CP1 card. In this economy I'm tickled they gave me another chance and I'm moving forward and up.  I'm not sure what bucket I'm in... but it's okay.   It's respectable considering my rebuild is a WIP! 

I thank God for all of you and this forum.  Thank you Thank you.   

I had to scratch that cli request itch! Sometimes you just have to close your eyes and hit submit.  

I hope I provided useful data points.   I know Capital One is a bit of a quagmire

Looking for this PIN priority card for years with 2 rejections already with same reason -> too much available credit.

Now, I just got a "Limited Time Offer: You’re pre-approved for a Choice Mastercard" email with a targeted Sub of 40,000 bonus points after $3000 spend within 60 days.

- Well, I pulled the trigger and they pulled my EX Fico 9 Score --> 816.
- I linked bank account as POI during App and sent in, no instant approval, 1-2 business days email.
- After around 3 hours they called me for ID verification.
- After phone call and in less than 15min I got the Approval Email and DocuSign link with terms, showing a SL of $5000 @ 13.5 %. Not the SL I was expecting but happy with approval.
- I did call back asking for a higher SL reconsideration stating that I have some high spending coming in the next months and I don't want to recycle the line of credit within same billing statements blah blah blah, and after put on hold for about 2-3 minutes they told me that considering the "too much accessible credit" I have, that's the best they were able to approve, and he recommended me "to wait at least 6 months" speech to have a CLI reconsidered.

Some DP at time of Application:
- Pulled EX Fico 9 Score: 816
- Income: $275k / year
- EX HP's: 1/6, 4/12, 10/24
- New Revolvers: 1/6, 1/12, 3/24
- AAoA: 5yrs,1mo
- TRL: $774k with 0% utilization.

On a mini roll with CLI's.  Just got approved for CLI with Capital One for Platinum and Journey.

Relatively small amounts but on the journey to better credit I'll take it.

Question on Discover CLI.  Do they do a soft or hard pull?

Care credit +$2500

Macys +$3500

getting close to that 100k benchmark!

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! 

So I wasn't going to apply for another card until the year was up(have 5 months to go) but my friends told me that the Savor One gives 10% cash back on Uber and UberEats up until mid November 2024.

I use UberEats a lot plus Uber so I felt like the amount of cash back I would get starting now would make it worth it. I didn't want to wait until the very end of this promotion in case it doesn't renew.

So I checked the preapproval Cap1 site and had Quicksilver good credit, Savor One good credit and a Platinum lol.

I upgraded my bucketed Platinum to a Quicksilver 2 1/2 months ago and the Savor One seems to be a very popular card that a lot of people like. 

The only thing I was worried about was what credit limit I would get. My FICO 8 Experian score showed me 726 and my utilization is showing 3% on my reports.

I took the plunge and it approved me with a $1000 CL. Look after getting $300 from the bucketed Platinum and after 6 months only getting a $100 CLI, I think $1000 is good for me. Only 7 months into my journey. I'm gonna put a lot of spend on the card and hopefully get a better CL in 6 months.

Do you guys think this Savor One is bucketed based on the starting limit I got? I hope not but I still worry a little.

Anyways just wanted to share, I'm pretty happy because I was worried I would get a $500 CL lol. And it told me my FICO score was 699 from Experian so it looks like Cap1 used a couple week old credit report. Oh well.

I recently opened an account with US Bank to get the checking bonus. I wanted to wait a few more months to get that banking relationship edge before pulling the trigger, but the offer was right there on the dashboard tempting me. I thought what the heck. Instantly accepted for $15k.

Assuming they pulled Transunion, I was at 0/6, 0/12, 1/24. All my inquiries were on EX and EQ. I also started a new job and had my first direct deposit hit US Bank along with some transfers so maybe that helped.

Not going to lie. I don't think i need this card but i could use it for things around the house. I have better cards but i was attracted to the quick growth of this card. I didnt want to get into bed with syncrhony ever again but i am hoping to get this to 10K by the end of the year.

705 TU, HP TU.

UPDATE: Called this morning and explained that due to a storm in my area i needed a larger limit to purchase materials for repair. They asked me what i wanted my limit to be, i said i would be happy with 10K but i would take 8K, they upped it to 10k!

I have had a DCU platinum visa for over a year now, I requested a CLI to go from 10k to 30k and they countered with $13,200 an odd amount I thought.  They told me that they thought I had enough unsecured debt and credit as their explanation for the counter.   After just receiving the CLI I decided to app for another card having already gotten the EQ hard pull, and it said that I was pre-approved for either Platinum or Rewards at 20k, I was like awesome, I took the rewards offer.     I got the congratulations screen and the congrats email but nothing asking for POI or anything else.

I had apped over the weekend, was unable to call them, so fast forward to monday and I see my limit on my Visa Platnimum went from 13,200 to 20,000.  And no new credit card listed on my account.   I'm assuming they just gave me another CLI to 20k rather then a whole new card.  Are there any data points on DCU giving multiple Credit Cards? I've searched and found very little.    Any info is much appreciated.

I haven't asked for a CLI in awhile with Amex so today was the day. Blue Cash Preferred- $10k to $20k. Very happy with that especially since I've been gardening for the past 14 months so increases to existing lines are my only source of fun right now. It did also put me over the $200k in available credit mark which is a nice milestone!

Had success with Chase recon ( 888-270-2127) for my Sapphire card bringing total SL to 7k! I had noticed a request on my phone to increase limit- got the unable to approve your request. Called in and the first person seemed to genuinely think I wanted a new application for a new card- was transerred to a very helpful woman, who asked me some income questions, put me on hold for 5 minutes, and came back and said she can " get this bumbed right now" 

I had a balance on the card due to some final expenses for a relative passing away, but PIF two weeks ago, otherwise the card only sees about 500 dollars of spend on a good month

Credit scores now hovering 699 EX, 704 TU, and 680 EQ 

Not sure its needed but I product changed to the Club card from the Gateway.

I had moved a decent chunk of my limit from the CFU to the Gateway this month to get over the minimum limit required for the Club card.

I think its $15k minimum needed.

Called in yesterday and was told I had to wait till the next day after the 1 year anniversary eventhough I was at 366 days.

So I called today and the Agent ran through the required changes and so on and I accepted it, agent said my CVV will change and maybe the number as its a Visa Signature to Infinite change.