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Midwestgardener

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About Midwestgardener

  • Birthday 01/01/1960

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    Midwest USA

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  1. CLIs: Amex BC +5K, now 44K Barclays Uber +5K, now 11K Chase Amazon +5K, now 45K Chase Marriott +5K, now 35K Citi DC 5K, now +40K I am seeing a pattern here...I am sure of it. I suppose that I need to raise my ask...
  2. Congrats on the monster line. How frequently have you been requesting CLIs with BOA?
  3. OK, CB experts, I have a question about the reliability of MyFico (MYF) and Experian (EXP) simulator tools. If there is a different forum or place to ask this, please let me know. Background I currently use both MYF and EXP to watch my credit. Both appear reliable on their predictions. Our 15 accounts have a line >250K, our utilization is low (<6%), and file is old and clean. Both MYF and EXP tools are indicating that in 10 months, my score could reach 845. The 845 score simulations show that my path to 845 is gated by both age and amount of credit. Aging: Over the next 10 months, I have 5 INQs that age off, and 1 card that reaches 1 year of age. Amount: We did 2 large purchase that we could pay down immediately, but both are on 0 APR, so there is little financial motivation to do so. We also have a small ($25K) mortgage that we need to wait for promotional reasons until August (long story, but not material) to pay off. Question Have any of you fellow CB experts found these simulators reliable, or only suggestive?
  4. BigPoppa, 85K is a BigNumba. On BOA, no less. I have hope for the future... Congrats to you!
  5. Since BOA was not ready for a CLI, I tried Citi. 25K -> 35K DoubleCash. One of our very active cards, so this does help. Providing a 4506 with Amex, and then apping for a Amex Platinum. Wishing for a way to get the 100K SUB... Might do the GSA (GoldmanSachsApple) card later this year. Thanks for all the help from CB pros. You have helped me transform from credit turd to credit nerd.
  6. Thanks MP. Will advise CBers once I see and try the link.
  7. Looking for insights on BOA behavior. 7 month old card with 15K line. Using it hard (60% utilization now) as it is 0 APR. How does BOA consider, weigh and approve CLIs? My file is old (oldest account >20Y, average age > 8Y), clean (100% payment history, no derogs or negatives), and thick (>20 accounts, 15 active, 6 with CLs over 20K, 4 with modest (300-3K) balances) and low overall utilization (<6%). I am not yet seeing a CLI request link active, which suggests that I am not eligible for a CLI. Is no CLI option more likely due to my BOA card age or utilization? Is a call to them advisable or garden for a while? Thanks in advance
  8. Thank for your detail and diligence on compiling and reporting this the CB community. Super. Helpful.
  9. Hello fellow CBers, I searched but did not find a thread on this matter, yet I think that is an item of interest. During travel earlier this year, our flight was canceled due to a weather issue. We used a Chase card to book the flight that included trip delay and trip cancellation coverage (I believe our other Chase, Citi and Amex cards have this coverage as well). The reimbursement process was a painful paper chase. It did take weeks to resolve, but we finally received approval that our claim of nearly $400 was approved. While we have no check in hand, it appears that we will receive a payment. It is the first time we've ever submitted such a claim, and it was a pleasant surprise to have it covered and to get reimbursed. My lesson learned was: book your travel with a card that has trip cancellation and trip delay coverage, and use your CC for everything possible when you travel so you have ready and defensible records should you need them. It could be well worth your while.
  10. Did a product change from Citi AA Platinum (95 AF, and we simply weren't using it often enough) to Citi DoubleCash. Retained 18K CL - will be doing a CLI in a few weeks. CitiDC has nice suite of protection benefits beyond the 2% back (recently got Alliant CU 3% card, which will become our daily driver for many purchases). Also, got Amazon Visa offer of 3% cash back on travel between now and 12/31. Continue to watch CVs posts (Thank you again CV for providing real use case info...extremely helpful and enlightening!) comparing Amex Platinum and Chase Sapphire Reserve to help us pick which way we go.
  11. American Express BCP Approved $20K. Had to call in and give simple ID answers. Amex BCP bumped from $20K-> $30K at 60 days. They wanted 4506-T for anything more. We will revisit after 6 months. Eric, congrats on new lines. All, what is the calculation (CL as a % of gross income?) that CCCs / credit grantors generally use (I imagine that each has their own specific rules) before requesting/requiring a 4506?
  12. Milwaukee
  13. The card I'm after is the Uber Barclays card. I don't "need" the card so to speak - but their perks and rewards system would save me a decent chunk of change each month, which is nice. I haven't asked Discover for a CLI yet, but they did just bump me from $1200 to $1700 without me asking, because I'm "so responsible" or something. I've only had the card since October. Go figure. I requested a CLI with CapOne a month or two ago, and they bumped me from 1000 to 1100, and just this week they bumped me from 1100 to 1600 - but I didn't ask for that one. Chase, I haven't looked into yet, beyond visiting their webpage and being led to a page that said "there's no current offers for a CLI" for me. Maybe if I call them, but it might be best to wait a bit longer. Thanks for the advice! I'll keep working on trying for more CLIs as time passes. Do you find cards that start small tend to cap out small? At some point, should I expect my CLIs on these cards to be more than $100-500 a pop, or will I need to explore bigger and better cards? Hey MB, welcome to CB. While you stated you wanted the Uber card, I would suggest that you DON'T want the Uber card. I got it last year. My scores are all over 800. 200K in overall lines. Overall utilization is consistently under 9%, and usually under 3%. Despite all that, Barclays Uber card is my lowest credit limit ($2K). They want to do a hard pull to increase it. Customer service is substandard. Perks are nice, but not exceptional, and nothing you can't get elsewhere. I've found Barclays to be a difficult company to work with. Given your scores and the limits that you have now, they may not be willing to grant you a card, and if so, it may turn out to be your lowest limit card. Not sure the juice of benefits from them is worth the squeeze of apping and trying to work with them... One man's opinion. YMMV.

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