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MWGardener

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  1. MWGardener

    Master 2018 Approvals and CLIs Thread

    Goals are: - Asia trip in '19 - More travel (DW getting SWA cards for companion), improve status on all majors - Leverage all of our joint spend, esp travel and dining (cashback, miles, points; using chase Amazon card for AMZN spend, think that area is solved unless there is a better idea) - Retire SUBs with big ticket spends (direct with card or using plastiq) Being ready for nearly anything by: - reach aggregate 300K in total CL (arbitrary number, 100K away); having CL but not needing it vs needing it and not having it... - keep FICOs over 820; minimal incremental value aside from bragging and pride above that, unless someone knows otherwise
  2. MWGardener

    Master 2018 Approvals and CLIs Thread

    Thanks, had seen the reddit thread before. While I did review it, I did not read it thoroughly, including the links. Shame on me. Super useful part with great guidance is: https://www.reddit.com/r/churning/comments/819r08/list_of_antichurning_rules/ Appreciate your post.
  3. MWGardener

    Master 2018 Approvals and CLIs Thread

    Apped with Chase. Ink business card. Declined. Spoke with UW, "too many new cards (6) in last 2 years". 810 FICOs, 0 INQs last 12 months, <5% total utilization with 225K in CL (14 cards, 5 in use, all under 10% utilization), and 0 negative factors. Did open 6 cards in last 13-15 months. 3 do have balances (PIF each month) totaling a whopping - wait for it - $1K. Ready to go to Amex, unless anyone has some different guidance ...
  4. MWGardener

    Master 2018 Approvals and CLIs Thread

    CLI on Barclays. Waited 13 months. Had to take a HP from TU. Initiated online. Had followup call 3 days later. Spoke directly with underwriter. Answered couple of questions to validate capacity to service and motivation to request CLI. Approved immediately from 3K to 10K. TU score over 800
  5. MWGardener

    Master 2018 Approvals and CLIs Thread

    Will know in a few days. I drop 2 INQs from EX, 4 from TU, and 2 more by mid Dec from Q. Will report back with results of X and T by early next week.
  6. MWGardener

    Master 2018 Approvals and CLIs Thread

    Just gained 8 points on EXP FICO. Lift due to AAOA passing the 6Y 6M mark? No other changes evident. 4% util, and awaiting 2 INQs to drop over next 2 weeks.
  7. MWGardener

    Master 2018 Approvals and CLIs Thread

    Hilarious. You've jumped into the red zone, as I'm heading out. 10 days until 0 INQs for last 12M. FICO took a hit, but It was worth it: got paid $1K + points to get 6 new cards and > $100K in CL. 10 more days and all FICOs back to ~ 825. Not breathing the thin 850 air like you, but happy with 825s ... Rather sure your home is quite safe.
  8. MWGardener

    Master 2018 Approvals and CLIs Thread

    CV, Is Chase that tough (stingy?) with CLIs? Last I called, they indicated a HP, with no commitment to getting an increase. Am I hearing your inference correctly: better to do a new app and reallocate that line to other existing Chase cards in your portfolio that to request a CLI?
  9. MWGardener

    Master 2018 Approvals and CLIs Thread

    No Disc or BOA. CLI on 2 Citi cards in a few weeks.
  10. MWGardener

    Master 2018 Approvals and CLIs Thread

    Probably not. UltraFico will help issuers uncover more creditworthy people via banking behavior. Those with strong credit AND strong banking records may see a few more points on an already good score. Doesn't seem likely to materially change > 760 scores. Those with strong banking behaviors (length of checking account, no overdrafts, etc) but thin or weak credit histories can see a greater score lift.
  11. MWGardener

    Master 2018 Approvals and CLIs Thread

    New FICO scoring update rumored to debut in 2019: https://www.wsj.com/articles/want-a-higher-credit-score-soon-your-cash-could-help-1540123200
  12. MWGardener

    Master 2018 Approvals and CLIs Thread

    Help, Congrats! You've been busy, and successful. Perhaps I should outsource my app and CLI processes to you!
  13. MWGardener

    Master 2018 Approvals and CLIs Thread

    Not expecting to hit 850, as I would not stay there. Should be in the 830s in the next 60 days, and that will be fine. Goal is as high, but not 850. While it's attainable, I don't think its sustainable, IMHO
  14. MWGardener

    Master 2018 Approvals and CLIs Thread

    Thanks Help. I'm not INQ shy, as I had 6 from an app spree last fall. All 3 scores in the low 800's now. Several INQs just passed >1 year, and the balance go >1 year in about 45 days. Want to test how my scores respond with 0 INQs and newest account >1Y. Once I get those answers, I'm off to apping AX Platinum and a trip to Thailand...
  15. MWGardener

    Master 2018 Approvals and CLIs Thread

    That's how I've been playing it. Thx. My silly objective is driven more by playing the 850 game, and less by INQ sensitivity.

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