Decided to come out of the garden a little earlier than expected. I have an upcoming trip that would help me meet the bonus spend so I pulled the trigger on the CSR last night. Instant approval for $14,000, by far my highest limit. 708 ex fico, 10% util, AAOA 1yr 7months, 3 derogs from 6-5-and 3 yrs ago. Really excited for this card. 6 months ago I never thought a premium travel card would be in my future. Thanks to everyone here I've learned so much from!
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CSR approved!
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Lowes CLI to 10 Stacks
I obtained the Lowes card in April with 1000 SL and have used it every month. I have had it at 22% and paid it down to 5% at times. Since the summer has began, I have been working on the yard and basement and the card has been handy and the 5% at purchases too. I called the overseas number and was able to ask and get $10,000 increase within 2-3 minutes. My other card with this limit is NFCU. I am happy as a clam and will be able to take advantages of the promotions since we need a washer, dryer set and lawnmower. I took out some savings and was going to use it once a sale hit. I will see what comes up in the next month for sales.
UTI: 22%
TU score:678
Active rebuilder here since Jan 2016
had the card since Apri 3, 2017
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CapOne Venture Approved!!!
I wasn't really in the market for a new card and I prefer cash back over travel rewards, but I had a preapproval for the Venture. I plan on trying to join the Chase family in the fall so I decided it would be a good idea to have a higher limit card before applying to Chase. I'd read here that the Venture was pretty generous with starting limits so I pulled the trigger. My previous highest limit was a CapOne QS at $4000. Venture approved for $15,000. Never would have happened without this board. Thank you all. I'll probably try to PC to the dining card next year before the annual fee hits. Hopefully they'll be doing PCs to the dining card by then. 
Triple Pull....of course
EQ-710
TU-735
EX-689
BK7-2010. No other baddies.
Util-2%
Income-$65K
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Citi Diamond Preferred MC approved
Applied for the Citi Diamond Preferred MC on 6/23/17 based on a prequalified mail offer. Applied online, received message stating wait 24 hours for update, will receive decison letter/email within 7 days. Called a back door number found on this forum on 6/26/2017, spoke to an overseas rep, approved for $2000 credit limit. Asked for more, rep said to wait until I receive the card, then call customer service. I know this card is useless except for the 0% 21 month balance transfer option which I will use to clear out my high APR Discover iT card. APR on this Citi DP MC is 13.24% after the promo rate expires so I'm happy with that. Couple of questions for those in the know about Citi:
1) Should I immediately request the CLI when I get the card? The $2000 limit is just enough to transfer my Discover balance.
2) Can this card eventually be converted to a Double Cash card?
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NFCU GoRewards and CashRewards DENIAL but then something unexpected happened
I applied for a NFCU CLOC for $5k this weekend and was approved. So I thought hey why not try for a credit card, I heard they offer high CLI's and easy approvals.
I applied for the GoRewards and received a systems error message, tried several times then waiting till the following morning where I received a you will receive a response in 24 hours. I also tried for the CashRewards during the systems error and also received a 24 hours message after reapplying.
I checked within a few hours that following morning and saw in the pending consumer loan application page that they were both denied. I never received any sort of communication from NFCU on the decision and discovered this on my own. I even spoke with a specialist via phone about the system errors and she also stated I was denied so I would receive a letter stating why in a few business days.
Well I log into my account today...
I have a GoRewards account with a $4.5k limit listed along with all of my accounts, it even has a $12 charge on it for the FedEx rush delivery on the card which I opted for on my applications. 18% APR
Can I get a WOOT?! This is my highest CL card, with my next highest being Discover IT @ $1.9k, even my BoA card I have had for 7 years only has a $1k limit.
These two approvals from NFCU are about to sky rocket my credit score and decrease my utilization like crazy.
Any have this happen to them? This is crazy, I haven't even received a approval message, text, call or anything. I have only received 1 hard inquiry through the two applications for CC's and 1 application for the CLOC all in a 24 hour window.
How soon should I request a CLI? Time to start gardening!
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Target Red card upgraded to MasterCard.
last week i posted that i received an increase to $3000. well today i checked my mail and i had two letters from Target. one was for the increase. the other one was to inform me that my red card is going to be upgraded to a Mastercard. im surprised i was upgraded with my scores being around 660-675.
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Cap1 Quicksilver Approval
Due to an upcoming vacation, I left the garden and applied for a card with triple-pull Capital One. I did the pre-qual and selected the QS due to the $100 bonus and 0% for 9 months. I was approved for 15k @ 13.74%. Scores are in my siggy. My utilization on my current report is around 1% with balances on 4 cards, highest util on an individual card is 7%.
Hope this helps someone.
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BoA Merrill+ #2, Arrival+, And Nordies VS
Strange that BoA took 10k from my first merrill to open my BBR, yet my 2nd Merrill was 15k with no siphoning. Also got approved for Arrival+ but don't know what the limit is until they get my documentation which is ridiculous, professional licensure, SSN, DL, utility bills, etc.....and im sure when I Call in they will accuse me of my voice sounding different...... and of course had to help out a friend and was suckered into getting the Nordstrom Rewards VS....... joy joy. I am slightly shaking to see what happens when Travelite, BBR, Merrill+ #2, Nordies, and Arrival Plus all hit my reports.............oy vey. Trying to think of a few accounts to close but I actually do use them all.
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3x a charm for NFL card!
Finaly !!!! Barclay let me in to the card I wanted so bad! 1.5 years post bankruptcy
Does anyone know if they use same hard pull if you apply for another card or CLI?
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Successful credit card spree netting 100K total. Almost too successful?
I applied for 6 new cards over the weekend and was approved for them all. Two were instant decisions and 4 went pending which all resulted in required fraud identity.
Before the spree, my accounts and credit were as follows: BofA spirit airlines 8K, Chase Saphire 8K, Capital One Quicksilver 8.2K (oldest credit line of 12 years), Citi-costco 8K, Amex Blue 20K (only reporting 11K due to credit line increase 20 days ago), Amex Delat 2K, Amex Platinum charge, SPG 1K.
My credit scores were 730-740 and utilization 19%. Reported income: 130K
In order of applications and when approved:
Cap One Venture 30K approved 2 days later on Monday
Discover It- 20K Instant approval
Chase Amazon Prime 8.5K Instant
Bank of America Travel rewards 11K approved on Monday (seemed to match Amex)
US Bank - club Carlson Premier 15K Approved Tuesday (Today)
Chase Marriot 15K approved Today
I honestly was shocked with all approved and at such high limits. It appears the breaking point in achieving this was Amex passing 10K threshold. Capital one and all others were giving CLI of 1K on average with the exception of Amex Blue approving CLI request of 11K to 20K.
My credit scores were in the 500's 10 years ago and my profile was capital one, first premier, and HSBC.
More importantly, I'm concerned about all these accounts updating and my creditors decreasing credit lines and or possibly closing. The above mention existing accounts were also from a spree and none were closed however not nearly the credit lines that these new ones are.
BASED ON EXPERIENCE AND OTHER MEMBERS, WHAT ARE YOUR THOUGHTS?
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Awesome Pier 1 increase in credit limit
I called with a $700 credit limit and ended up at $5700 limit. ❤️😊 Time to shop so they'll report my new limit ❤️
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AMEX Premier Reward Gold Card Approved!
Hello, I would like to share my recent apporoval of one of a card I was really looking to get for a while.
I got an invite to apply for the American Express PRG with an RSVP number. I was not looking for applying but I thought why not since I got a sign up bonus of 25000 MR points after $1,000 dollar spend in 3 months. Since I am looking to buy a new phone and a round trip flight to visit my family in my home state, which is why the 3x airline category attracted to me since I am not a frequent flyer for any single airline, I thought I could knock that out with it. I am so happy to have grown and matured my credit to this point.
I started with 1 credit card with 1000 dollar limit and now I have came to this point. This is my second card this year, with Amazon Prime Visa Signature being my first one.
I am glad to have an AMEX charge and revolver combination.
If you guys have any questions let me know, and I would appreciate any tips or tricks to maintain and keep my relationship healthy with American Express.
Thanks!
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Care Credit and Firestone Approved !
Hi, everyone ! I am only 18 months post bankruptcy and have been working on my rebuild. However, I needed some work done on my teeth and car.
I drive a lot for work and I was in a small town and went out to my van and noticed the metal was showing through one of the rear tires. Every tire place was closed. It would have cost me $65 for someone to come out and put my spare on and I was too cheap to add roadside to my insurance so I now I see the necessity. Fortunately, I went to a gas station and a nice clerk put it on for $20. I realized I needed 3 new tires so I apped with Firestone and got a $1200 limit with 0 interest for 6 months. My new tires and lifetime alignment cost $499 which I can easily pay off in the 6 months. The finance company, CFNA, pulled TU, and the card works at Tires Plus also, who happened to have a better deal on tires than the Firestine close to me. So you can shop around for the best deal.
I need extensive dental work so I apped for Care Credit today. My TU is 620. I was approved for $1500 but I plan to recon for more tomorrow since the HP is good for 24-48 hours.
For the past 2 months, I have been paying my cards down and then using them instead of cash and I also added an installment loan with NFCU. My goal is get more love from NFCU and join PenFed when I get up to the 650s. One more year and I would like to buy a house.
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Amazon Auto CLI
I logged into my account today to make a payment and saw that Amazon has automatically increased my limit from $800 to $1500! Yay! It's funny because I requested one last week and was declined.
TU Score is at 690!
Utilization: 5%
Available credit: 12.8k
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Discover 3-Month CLI
Third statement cut and I got a $500 bump!
i see see a lot of posts that Discover is strange and random about CLIs with timing, limits, etc. what are your experiences with them?
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CLIs and approvals GALORE
Ok, I may have overexaggerated. I'm still feeling pretty good after my recent CLI spree
Ever since I started working on my credit I've had my eye on the Citi Double Cash. I cold apped for it a few months ago during a minor spree and was denied for too many inqs. I gardened for a few months and the mail offers started coming in. I received an offer for 18 months 0% APR and 14.99% after (that's a low APR for me as I have a relatively thin file) and decided to accept.
Approved with $3,900 SL!
But that's easily my lowest limit (apart from my Target card, but I don't count that), so when I activated my card I asked for an increase to $10k. Got a review message, so i figured it might have been declined since it's a brand new account. I kind of forgot about it.
This reminded me that it had been a while since I requested clis on any of my other cards. So I went through them:
Discover IT: APPROVED for $4,500 increase to $14.3k
Amex BCE: APPROVED for new limit of $20k
Chase FU: Not willing to take a HP and the account is almost a year old so I'm gonna wait and see if I get some auto luv
Citi DC: APPROVED for $8.9k! They didn't approve the full amount since I was a new account but said to try again in a few months
A few data points: Started with a mid 600s score a couple years ago, multiple late payments in 2011 on several student loans that happened to be bundled into one payment, 5 inquiries on TU and 1 on EX. FICO 08 score 762 EX, 737 TU. Annual income $49k. AAoA 10 years (student loans and hubby's Chase card).
Just wanted to share
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CLIs and approvals GALORE (attempt 2)
My OP mysteriously disappeared so I apologize if it's just a glitch and I end up posting twice.
Ok, I may have overexaggerated. I'm still feeling pretty good after my recent CLI spree 
Ever since I started working on my credit I've had my eye on the Citi Double Cash. I cold apped for it a few months ago during a minor spree and was denied for too many inqs. I gardened for a few months and the mail offers started coming in. I received an offer for 18 months 0% APR and 14.99% after (that's a low APR for me as I have a relatively thin file) and decided to accept.
Approved with $3,900 SL!
But that's easily my lowest limit (apart from my Target card, but I don't count that), so when I activated my card I asked for an increase to $10k. Got a review message, so i figured it might have been declined since it's a brand new account. I kind of forgot about it.
This reminded me that it had been a while since I requested clis on any of my other cards. So I went through them:
Discover IT: APPROVED for $4,500 increase to $14.3k
Amex BCE: APPROVED for new limit of $20k
Chase FU: Not willing to take a HP and the account is almost a year old so I'm gonna wait and see if I get some auto luv
Citi DC: APPROVED for $8.9k! They didn't approve the full amount since I was a new account but said to try again in a few months
A few data points: Started with a mid 600s score a couple years ago, multiple late payments in 2011 on several student loans that happened to be bundled into one payment, 5 inquiries on TU and 1 on EX. FICO 08 score 762 EX, 737 TU. Annual income $49k, util ~ 4%, AAoA 10 years (student loans and hubby's Chase card).
Just wanted to share 
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Discover It-Approved, what happens next?
I was recently approved for a Discover It CC (this afternoon!), needless to say I am very excited. After filling out all the fields online it took about 60 seconds for them to decide I was approved and posted the credit limit as well! I do have a few questions on your experience with the Discover It process and what to expect next:
- If I was approved for the posted credit limit on the card status page, will this change at all when the card arrives in the mail? Are there any additional steps to take?
- Is there an e-mail confirmation?
- Some people say they received an e-mail immediately, and some never at all.
- What is a realistic timeframe for the card to arrive? Will the card arrive on Friday or Saturday?
- I've read on a few forums it comes in 2 days after application, and others it takes longer. I live in the City of Chicago and their HQ is just a few suburbs to the north
- Are there any locations that do not accept Discover? Such as bars, restaurants, night clubs, retail stores, online stores. etc.?
Thank you!
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NFCU GoRewards
First of all I am have been a member of this site for a few years and I could not thank everyone enough for all of the help. I joined NFCU about 15 years ago when I was in the Marine Corps and then closed my account when I transferred so I could bank with a local bank. Just reading through the forums and decide to reopen my savings account with NFCU to have a separate savings account, and figured while I was on there I would apply for their GoRewards CC.
Instant Approval with a SL of $8000!!!!!
Thanks everyone!
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Blispay! Finally! 😎
I've append for Blispay a few times in the past... denied due to an old BK from 2/2010, as well as a Target CO (paid) from 8/2010. Both are gone now. Tempted the wheel of fate last night and it actually went thru the verification questions - that's a first... got the message to call in, but it was too late in the day.. Called in this morning, went thru additional verification (asked me to name 2 accounts on my Ex).. and said I'd hear from them in a few days.. 5 minutes later I got the email..SL$4k!
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