victomae

Congrats! How long have you had these accounts before the CLI? Walmart & JCP since 2013, but I have only used them maybe a couple times a year, and PIF right away, so never really tried for a CLI before. Will try to request CLIs more often now though. Discover got that last year, was added as AU on someone else's right after BK in 2011. I have used it only when running the gas promos and PIF, then out of nowhere they bumped me up! Did you have a balance with Discover when they did the auto CLI? No Congrats! That's a really nice bump on the Discover card! yes, a really nice surprise!!!

Also, CapOne Venture $10,000

TU 676 Discover auto CLI $500 -----> $8000 Walmart CLI $600 ------> $1500 JCP CLI $400 ------> $1500 Amazon $1400 PayPal Xtras MC $2000 CareCredit $8000

My prayers and thoughts are with you.

Have you checked Creditpulls? You can plug in you State and EX and get an idea of which cards are likely to pull EX in your area and what score they might be looking for to get an approval.

Do some research and find out which CUs you qualify for ,then email them and ask if their secured products/cards require a hard pull on your credit report. I sent emails to several CUs in my search that I could qualify for. SDFCU , Destinations CU, Virginia CU & Fairfax CU all offered either secured CCs and/or secured personal loans without a hard pull. In fact, Fairfax CU told me no hard pull if I applied for membership in person but they would do a hard pull if I applied online.

Probably would be since it is a mortgage but you have to ask them to be sure. I've never heard of a soft pull for a mortgage via any method and I didn't ask them about hard vs soft pull when using the mail service

You can go to your local credit unions. Some of them will approve you for a secured card as long as you have the money in a savings account with them. What I did was do some research on my local CUs, checked out rates on their secured loans and cards and then I sent them an email with questions like if they do a hard pull to open a savings account, what bureau they use, if they do an inquiry for a secured loan or secured card and if they would allow me to open an account with a recent bankruptcy? To my surprise, some of them don't do a hard pull to open an account or to get a secured loan/credit card, as long as, the money is in the savings acct. One person even told me that they pull a hard if I opened the account online but no hard if I went into a branch and opened it. Hope this helps

FYI, the account number had been changed online before I received the new card. Different acct. #, same history and I now get the 1.25% cash back. All that is left the cool-looking black card. Will update when I get it.