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Ritz, SPG, and more!

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I almost ended up in the garden before this little spree even started out. I've been dealing with a mixed TU file for the past few months which had my FICO showing as below 580. I got notified of the problem by Chase who called to inform me they had shut off my cards, a CLI rejection from Discover, and a rejection for a Citi ThankYou Preffered.

 

I worked diligently to sort out the mixed file, which brought my normal score (761) back out. A month after the rejections and stress of losing my Chase portfolio, the spree was on!

 

In order of approval, I managed to snag:

1) Barclays Arrival+ - $12,500

2) Capital One Venture - $15,000

3) BCE CLI - $2,000 to $6,000

4) Discover Double Dip CLI - $4,500 to $6,800

5) SPG Business - $25,000

6) Wife's CSR CLI - $11,000 to $20,000

7) Citi ThankYou Premier - $9,800

8) Ritz - $16,000

 

More than anything, I posted this as a datapoint for the Ritz card. I'm way beyond 5/24, and the co-branded Chase cards are still available. I did have to go through the J.P. Morgan Fraud Team to get final approval, but the process is pretty easy. If you've got a profile that should support the card, call the robo lady, ask for verification (note: it doesn't matter if you get transfered to lending, they sent me through to verification,) and they'll tranfer you to the J.P. Morgan Team. That team isn't in until 10 AM Eastern at the earliest and is fairly difficult to get in touch with. I had to call a few different times to get through.

In spite of the recent spree showing everything but Citi and the SPG on my most recent report, I didn't have any questions about credit seeking behavior. As a matter of fact, I really only had to verify name, address, name of AU, and read back a text verification code from a number they asked me for during the call.


NFCU CLI double dip?

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Long story short.... We plan on paying for our new solar system via our cc with NFCU ( approx. $40k). I sent NFCU an email inquiring if they allow a temp credit line increase to either Go rewards or flagship. After about an hour, I tried the for an auto increase on the go rewards and was was shocked that it went from $2500 to $20k!!! I know from reading various MF posts that this a good hit for cli. I have read others that have gotten more and others who got less. We are thankful for the very large increase! Since it was an automatic, does NFCU allow to double dip by calling in and talking to a CSR? If so, what number would I use? Also wondering if I should pull trigger for the flagship card? Our go rewards is approx 3 yrs old and flagship is a bit under 2 yrs old. It was also a SP for for instant CLI. Any information is appreciated

Target CLI 3k Finaly

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Open Jan - 2016  SL $300

 

May 28 2016 CLI $400

Aug 28 2016 CLI $300

 

From August 28 2016 to today limit was $1000

last cli i got was 10 months ago from $700 to $1000.

Last time i use it was like 5 months ago and pif

PS.leaving balance to report don't mean crap in order to get cli.

I had no balance on it for 5 months  and today got CLI.

Best bet i think is not to use it and wait for cli.

 

 

 

Finally today statement cut and see 3k CLI

 

Current CL $4000

 Target1.jpg

To be continued ..

SCT Total Rewards Visa 7-10 letter

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Got a pre-approval for the TR after doing the SCT. I stupidly changed my info after the pre-approval and was then sent a 7-10 message. I was sure it would be a denial at that point. Today I checked the mail and there was a big fat envelope with a hard card shape in it! Opened it to a congratulations letter. Limit was only $1000 which was a lot lower than I was expecting based on what others got from Total Rewards. But still very happy with this 7-10 result!

LOWES CLI

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Ok guys--approved for Lowes w/500 SL....Relativly low BUT an approval. ....I have used it already and PIF..My 1st Staement will cut in a few weeks.....All you Lowes ppl I need your help. ----What seems to work best for Lowes as far as CLI go---1-2 staement cuts? Use alot of credit then PIF? ....THANKS IN ADVANCE. I know Lowes can grow bigtime. 

Capital One credit steps CLI

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Got my steps increase after my 6th statement. Went from $400 to 750 was hoping for more as I pushed all my spending through it but I'll take what I can get.

PenFed Promise Visa

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Hello,

 

I am in the process of rebuilding. I have been a member of Penfed since 2002; However, I never used the account because they are so strict. Today while cruising this forum I decided maybe it was time to dust off my membership. Long story short I applied for a checking account after only having a restricted savings account. I was approved, then the rep said he could use that same CR to apply for a credit card, after nervously agreeing I was refered to the review people then only approved for 500 CL. Should I take my chances and email them to recon for a higher limit? So far I only have a 300 Cap One Quicksilver which is about 3 months old, and my PENFED NEXGEN score is 610.

AmEx Approvals

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Well I originally had the PRG and I closed it at the end of March which was right before the annual fee was to post. Fast forward 3 months, 3 days ago I decided to check my preapprovals for AmEx and what do you know, I had preapprovals for the Green card, the ED and the BCE. So applied and was approved for the BCE. It has a low starting limit but it also says that if I carry a balance and pay on time for 5 months that the limit will be increased. I was so happy but then I felt like I needed a card with reward points so I applied for the ED and was declined. That was fine though. Well this morning I decided to check my preapprovals again and it showed the same ones as before but it told me to login in order to apply. So I logged in but it then said that the offers were no longer available but to click for more information and to see current offers. Well, the offer for the PRG was there. I applied and BOOM approved! I am ecstatic to have my PRG card back. What I am wondering if I will have to pay the annual fee or will it be waived again for the first year like my last one? I know that I won't get the sign up bonus for the MR points since I've had those already but will they at least give me back the points I lost when I closed my original account?

Just approved for my first unsecured this week - PNC points!

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Applied on a whim in branch, have had both the discover and capital one secured for 4 months. I got denied initially, but then got the card in the mail a week later with a $2000 CL! So happy that it's with my bank! They pulled EX with a 630. 

BoA CLI (this is why BoA Rocks!)

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Clicked on the request CLI link on my CashRewards card again yesterday..went into review... got a nice SP CLI today. $2800--->$5500!
Started out as a 99/500 card last May. Unsecured in October, SP CLI in Dec to $1000, SP CLI in Feb to $2800, today a SP CLI to $5500!

So, my CL has gone up 11 TIMES the SL in just about a year!!! BoA ROCKS!!!

AmEx Approvals

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Well I originally had the PRG and I closed it at the end of March which was right before the annual fee was to post. Fast forward 3 months, 3 days ago I decided to check my preapprovals for AmEx and what do you know, I had preapprovals for the Green card, the ED and the BCE. So applied and was approved for the BCE. It has a low starting limit but it also says that if I carry a balance and pay on time for 5 months that the limit will be increased. I was so happy but then I felt like I needed a card with reward points so I applied for the ED and was declined. That was fine though. Well this morning I decided to check my preapprovals again and it showed the same ones as before but it told me to login in order to apply. So I logged in but it then said that the offers were no longer available but to click for more information and to see current offers. Well, the offer for the PRG was there. I applied and BOOM approved! I am ecstatic to have my PRG card back. What I am wondering if I will have to pay the annual fee or will it be waived again for the first year like my last one? I know that I won't get the sign up bonus for the MR points since I've had those already but will they at least give me back the points I lost when I closed my original account.

Amazon Prime Store Card CLI

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Well, I thought the day would never come.

I finally got my first CLI from Amazon!

I have had the store card since July 2015.

I was given a SL of $800, which at the time was my highest SL and I was starting my rebuild journey, so I was thrilled.

Anywho, I maxed the card out pretty quick, but always made payments on time and was never late.

I called the # on the back of my card a couple of months ago, I believe, and was denied.

Same reason was something like, 'too new of negative reporting'. I had/have a couple baddies on my TU and one of them always likes to give a newer open date, which shows now 2016, when it was from 2013.

So I'm assuming that's what they were looking at, as I don't know what else they could be talking about.

So last night I hit the luv button on my Synchrony account and got the same 7-10 day message.

It was late, so Chat was closed as I've read people here had far more success by chatting or calling CS.

The chat went okay this morning, but the agent informed me it may be a SP or a HP and didn't know which it would be, so I respectfully declined.

I then hopped on here and it was suggested I call Credit Solutions.

Just got off the phone with them and pleaded my case about how I love Amazon, have had the card two years, never late or miss any payments and explained about the newer open dates on a collection.

Now I'm assuming this is all computerized so what I said probably played no role in the decision, but she came back after a minute or so and told me,

Congratulations! You have been approved for your asking limit from $800 to $2000

I know I could have asked for more, but not feeling confidant with Synchrony, I just picked $2000.

I am so happy!

I will not be using the extra now as I'm still paying down the card, but it just feels good to be shown a little bit of 'luv' for being a responsible cardholder.

If I was granted an $1200 increase, from $800 to $2,000, does that mean I left $$ on the table?

If so, how long should I give it, while paying down the card, before I call again and do another request?

And how much should I ask for?

Thank you again to everyone on this forum who are one of the nicest and most helpful online communities I've ever stumbled upon. Smiley Happy

Applied for Lowes... Call in measage - Update: Approved

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Got this message...

Thank you for applying for the Lowe`s Advantage Card. You're almost done with your application. Please call 1-888-885-6937 within the next 48 hours to complete your application. If we do not hear from you within that timeframe, you will receive a written communication of your application decision in the mail within 7-10 days.

Reference number:
Xxxxxxx

Guess I need to call now...

TU at 666

NFCU CashRewards CLI !

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Helped some one with navy and improve credit score and file...

Card was open Dec 2016 SL $1800

Card had a balance since Feb 2017 $1600 monthly.(current balance $1575)

Today hit cli and ask for max.

Nfcu CashRewards CLI 6-29-2017-b.jpg

 

Alaska cli up to 30000.00

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So I had this card for 3 months starting limit at 18000. Hardly used max I spend was 900.00 and paid in full .

Yesterday went online and both of my credit card accounts had a request credit limit increase so I decided to try for Alaska since the other account was only 5000.

Asked for 30000.00 approved in less than 30 seconds.

got a alert they pulled a hard inquiry on TU my score is 759 that's fine I'll take it back to the garden 


Final Visa Approved and Bumped to 10K

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once again after nfcu 25k cli and Amtrak iMC got another visa from final card upon demand it was bumped to 10k Smiley Tongue

 photo 268.jpg

6 month rule with NFCU?

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Called to get an exact date of when my account was opened, so I could apply for a credit limit increases. I've always understood it to be 90 days or 3 issued statements. However, I was told it needs to ne 6 months. Anybody else heard of this?

Cap1 Pre-Qual, Finally, and then Approval!

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So, I've been waiting forever for a Cap1 pre-qual. Finally, today, I try again and get a pre-qual for the Quicksilver (which I already have), the Venture (that I have been wanting), and the Dining. All with set APRs. Yay! Finally! 

 

I apped for and was approved for the Venture:

 

Venture.PNG

 

Did not really want the triple pull, but I just took out an auto loan, so I figured I may as well strike now. Another goal card achieved! Smiley Very Happy

6 month rule with NFCU?

Penfed power cash visa approved

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2 1/2 year history

701 Penfed EQ next gen score / NO baddies / 40 Inquiries -Pulled 6/28/2017

 

2 1/2 motorcycle loan never late

secured cc 1300$ cl, 3 months old never late

1000 line of credit from local cu, 2 years old never late

 

I got approved for penfed power cash visa sig card with $1.5K SL

I then applied for a PLOC, approved for $2.5K

 

Also have a current auto loan with penfed.

19k at 6.5% apr

I had a 623 penfed next gen when I took out the auto loan May of 2017

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