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  1. credit_help

    Master 2018 Approvals and CLIs Thread

    Alcoholics Anonymous has a CC? :-)
  2. credit_help

    23 & Me mails me an empty box.

    At least they still want your DNA. :-)
  3. credit_help

    So what did you get in the mail today?

    This week: AT&T statement. Regions Prestige Signature Visa card. $150 signup bonus. Rewards structure is lame. US Bank BT offer with checks. Another Barclaycard Ring MC offer. PenFed personal loan offer with check.
  4. credit_help

    So what did you get in the mail today?

    Last Week: Barclaycard Ring MC offer: 0% intro APR for 15 months with 2% BT fee. Letter informing end of Discover Deals. Barclays pre-selected offer for personal loan up to $35,000. Citi balance transfer offer with checks. What's the modus operandi for Barclaycard applications? I do not have any Barclaycard cards.
  5. But, you ARE a bear. So, it would still be as fast as a bear. :-)
  6. credit_help

    Master 2018 Approvals and CLIs Thread

    Thanks Kat. [emoji111] It was Freedom card. I selected Chase Freedom account when I sent my first secure message a few days ago. They replied in an hour with income and employment questions. When I was replying with requedted info, I did not bother switching to or ask CLI for Unlimited. I just replied with the requested info. I am contemplating on asking to make my combined limits to $100,000 or so in Chase card accounts excluding one cobranded Amazon Visa card currently at $8,500. I also have an auto loan with them that I paid of over half the original amount. I have read, on MFF or FlyerTalk perhaps, at least one person doing something similar and Chase used only one inquiry. Should I wait a few months to do this or call by the end of today? [emoji848] For rest of the year, I am planning, as I have no other CLIs to have probably, on applying for one or two new cards - WF Propel and BofA Premium Rewards. Are there any better cards for SUB or rewards?
  7. credit_help

    PenFed 4Q18 Offers are Up

    Just utilization padding.
  8. credit_help

    Master 2018 Approvals and CLIs Thread

    My Experian FICO decreased by 5 points from 778 to 773. The simulator says my score would be 803 within 6 montgs if I keep paying all my acounts on time. :-) In my observation, the inquiries did not have much or any affect on my score if I already had over 6 or 7 inquries showing on my reports. I had 5 inquiries before Chase inquiry.
  9. credit_help

    Master 2018 Approvals and CLIs Thread

    Yes they do! [emoji1787]Woke up to see an alert from Experian. An inquiry from Chase on Experian report. Checked my Chase accounts. I see limit on my Freedom is $30,000. Small increase but I was just trying out Chase CLI process. Could be true for some whose AAOA is high. But, your AAOA will decrease when the new account reports and can have more affect on your FICO than an inquiry. Only disappointment is I did not ask for more. Anyone not afraid of inquiries and disappointment, request a CLI on multiple cards may be bringing combined Chase limit to $100,000 or say $30,000 CLI?
  10. credit_help

    Master 2018 Approvals and CLIs Thread

    Thanks again Kat for the inspiration. :-) I do not see many detailed Chase CLI experiences posts.
  11. credit_help

    PenFed 4Q18 Offers are Up

    It is worth establishing relationship with a bank or CU. Without knowing your credit situation, it is difficult to say how much it is worth over any other CU or bank.
  12. credit_help

    Master 2018 Approvals and CLIs Thread

    Thanks Kat. I will use your line about Christmas spending if I need recon. :-)I did send the reply finally a few minutes ago. I had to provide the usual income and employment info. I am expecting a denial or a very small increase.
  13. credit_help

    Master 2018 Approvals and CLIs Thread

    I am a procrastinator. Waiting is what I do. :-)
  14. credit_help

    Master 2018 Approvals and CLIs Thread

    Hmm... I know. I am just interested in getting a better CLI not what to do with the limit. Please see the rest of the sentence. P.S.: I know how to combine or move limits.
  15. credit_help

    Master 2018 Approvals and CLIs Thread

    I was thinking the same and is the obvious card to request CLI on. But, I have not used CFU much. So they have good reason to deny for lack of recent use.

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