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connectthedot

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  1. Thanks for the replies everyone. Dean- Im trying to boost her score and profile, and joint accounts > weigh much more than AU as far as I know. Cv91915- we're loooking at the Platinum Rewards Visa SIg... We use heavy utilization on our cards so just trying to get more CL. Joint CC = double dippin CL // 2 x the CL.. we're keeping Penfed balance super low, its pretty much a CL account to increase overall CL.
  2. Thinking about applying for a joint Penfed credit card with DW but her credit score (710) is not as good as mine. (810).. So I am going to apply for myself first and then add her after? 1. Can I apply for a Penfed credit card just for myself, and then 1 month later, add DW as a joint..? 2. And how does it work? Do they send us out a form that we both sign and send back to them? Or do we call in? 3. What about a joint Nasa credit card? Can I do the same? Add her after, if I am approved.. Thanks!!!
  3. I just realize I have 2 checks and have more than 2 months to use them. So I'm going to split them up into 2 BT's...8K and then 12K.. just to be even safer.
  4. Totally agree with you guys. I forgot to consider individual card utilization and was just thinking total utilization. After the 30K BT, my total utilization would still be < 20%. (~250K CL available) Bottom line: I won't do more than 50-75% utilizaiton on a single card.. great tip.
  5. I applied for a Citi card with 9K CL. The card arrived with 0% Balance Transfer Checks I can write to myself. I just applied for a CLI and my Citi card CL is now 30K. 1. I want to write a 30K check to myself, can I use the same original 0% BT checks? Or do I need to request new checks? 2. Has anyone ever written a large 30K+ Citi BT check and have it successfully post? Or Does Citi have any BT limits? Thanks!!! ---------------------------------------------------------------------------------------------------------- (Note: I'm actually writing a 29K check to be exact... since there are fees......)
  6. Updates: 9K to 30K CLI Approved. Hard inquiry on TU. Did it online, approved next day. Super happy with results, thank you everyone for your input!!!
  7. Whoops sorry missed your post. Yup, paperwork has no such 5K restriciton. Only 15K limit. I guess that is more confirmation.
  8. Awesome. So it looks like 15K Chase Sapphire check straight into my checking is good to go. Thanks guys!!
  9. On the check, it says there is a 15K limit but I've read somewhere that if you send the check to yourself, there is a 5K limit. Does anyone know if this is true? Has anyone sent a 0% BT Chase Sapphier check for 15K to yourself? Any problems? Thanks!!
  10. Shifter, those are nice CLI's, congrats! 6K to 50K is awesome. Thanks for sharing your experience. I think i'll bump my CLI to 50K vs 30K. Still waiting on my card. Nyrfann, did you call the activation # to request CLI? Or did you call a special backdoor #? Did you request for a special underwriter or will the 1st CSR do? I want to make sure I talk to the right person and not waste a hard pull. Thanks! I just call the # on the back on the card adnt they'll get you to the credit analyst. Either way you WILL get a hard pull. K I Will do the same. Thanks!
  11. 6K to 50K is awesome. Thanks for sharing your experience. I think i'll bump my CLI to 50K vs 30K. Still waiting on my card. Nyrfann, did you call the activation # to request CLI? Or did you call a special backdoor #? Did you request for a special underwriter or will the 1st CSR do? I want to make sure I talk to the right person and not waste a hard pull. Thanks!
  12. I get these 0% BT promotional Checks for just about all my cards.. Right now my score is 820. Its about to dipp becaus of a 4 CC app spree. My utilization is approx 10% and I'm about to increase my utilization anywhere from 20% to 30% for a couple months so I'm expecting my score to temporarily drop maybe 20-50 points.. At what point will I stop receiving these offers? At least a score > 700+? Anyone ever stopped receiving these offers after an App spree or when you increased your utilization? And if so, did you start receiving again once your score starts to improve again? Thank you!!
  13. Fico 8 Score: 820 AAOA 9 years. 30+ accounts (more than half closed). Oldest Account: 25 years. Clean report,. 0 lates/negatives. Thinking about doing an auto-loan in October. I understand its ideal to wait for 6+ months. But worst case I'll just wait another couple months or just buy my car outright. But to get a better idea and understanding of how far I can push this. Given my score and history, how many new accounts before I start running into trouble? I applied for 2 new CC so far. I'm going to APP for another 1-2. So in October this is what my inquires will look like: (4 new inquiries) Hard Inquires with past 6 months: EXP: 2-3. EQ- 0, TU: 1-2 Hard Inquiries older than 1 year: EXP: 3, TU:2, EQ: 1 3-4 New accounts that are 3 months old: What do you guys think? Always appreciate everyone's advice and input, Thank you!!!
  14. My highest CL is 50K, average CL is approx 30K, Income $150K and Fico 8 score 820. Citi instantly approved me for 9K. Do you think I should ask for a 9K to 30K CLI since my average CL is 30K? Would it help my chances if I did a 0% BT for 30K on it? I understand AAOA will reduce but my AAOA is stellar. But If I close this card, will it still count as a "new account" ? Thank you! PS Also what # should I call? Activation #? Or Reconsideration / Backdoor #?

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