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  1. credit_help

    Master 2018 Approvals and CLIs Thread

    Citi on my Costco Anywhere card: CLI to $18,000 from $15,000.
  2. https://creditboards.com/forums/index.php?/topic/545249-how-to-do-more-frequent-aporama/
  3. Same word/phrase was popular in the past. I have not seen a recent thread let alone master thread for multiple apps a day. It does not mean nobody here didn’t just that I do not remember seeing one recently.
  4. App-o-rama is what they used to call on FatWallet.
  5. Try until you start getting denials if you can handle it. :-)Personally, I would not apply for more than 3 a day. P.S. I think you may be better served by asking “specific” rather than generic questions. :-)
  6. Other than BofA Platinum Plus and Chase Slate, there aren’t any 0% APR and 0% BT fee cards left. Even these cards require you to transfer with in 40 to 60 days of approval usually to get these rates. If you’re transferring from accounts with these issuers, you will need to find other BT cards like Citi Simplicity, Diamond, etc. which have 3% to 5% BT fee. Usually people applying for multiple cards, for BT or not, use multiple tabs/browsers. But, if you’re doing balance transfers, you may not really need to. You will take the score hit when these cards start reporting anyway. If your credit profile is good, there is no real reason you won’t be approved for a few BT cards. Also, creditors start sending BT checks and online offers for BT once you open even non-Balance Transfer type cards. I get them from BofA, Capital One, Chase, and US Bank every month.
  7. credit_help

    What mix of credit line will get you to 700+?

    Does FICO differentiates between store and regular credit cards? It’s better to get a regular credit card (Visa, MC, Amex, etc). For someone with a bankruptcy, collections, charge offs but very few positive accounts reporting, 700 is a very high bar. :-)
  8. credit_help

    What mix of credit line will get you to 700+?

    Most revolving accounts are credit cards. There are some lines of credits (LOC) that are different but are revolving account types.
  9. credit_help

    What mix of credit line will get you to 700+?

    3 to 5 active cards (revolving accounts) should get above 700. Of course, you should have no or few derogatory items like lates. I think, it will be difficult with one or more charge offs or collections. I had over 730 with a few old lates.
  10. credit_help

    Master 2018 Approvals and CLIs Thread

    Don’t you have any BofA cards? I thought BofA Premium Rewards is a card anyone who travels has. Easy 50K point singup bonus. Discover IT doubles first year bonus. May be you prefer points?
  11. credit_help

    Master 2018 Approvals and CLIs Thread

    I wonder if it will help for people with good to great (760 - 850) FICO scores.
  12. Some people do pay monthly fees because they cannot maintain required minimum balance or deposits. Someone has to pay for all that churning people here do. :-)
  13. credit_help

    Master 2018 Approvals and CLIs Thread

    Thanks MWGardner. I think, judging by your recent posts, you just need some encouragement/push. I have not requested any for CLIs in a long time. I am a master procrastinator. I could have gotten some of these CLIs 6 months ago if I requested. Did you request CLIs on your Discover, Citi, and BofA cards which don’t usually require hard inquiries?
  14. credit_help

    Master 2018 Approvals and CLIs Thread

    Two hard inquiries. I see NFCU hard an inquiry on my Equifax and Alliant CU inquiry on TransUnion.

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