
DebtFreeIn04
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South Carolina
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Working till I'm 80! Lol God I hope not!!!
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DebtFreeIn04 reacted to a post in a topic: It's Friday! Lurkers check in!
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The smart guys might know of one. Most are about every 6 months In general here's mine: Amex 6 months after last cli approval (not sure but think 90 days after denial BOA (hates me) 6 months Discover (whenever ya want) once a month Cap1 (hates me) every 6 months Citi 6 months Usaa 6 months (I don't like the hard pull so I do once a year) Those are my main ones , I know I'm missing some. Good luck!
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DebtFreeIn04 reacted to a post in a topic: Is there a Master List?
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DebtFreeIn04 reacted to a post in a topic: June 2022 DCU FICO (DFICO) UP
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DebtFreeIn04 reacted to a post in a topic: June 2022 DCU FICO (DFICO) UP
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hegemony reacted to a post in a topic: June 2022 DCU FICO (DFICO) UP
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DebtFreeIn04 reacted to a post in a topic: Only Have Credit Cards - Adding Credit Building Installment Loan?
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765 new record high woohoo!
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DebtFreeIn04 reacted to a post in a topic: Best 0% Balance Transfer Cards with HIGH limits. 733 FICO 8 $46k balance/61% utilization
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Barclay Wyndham earner email pre approval 7500 pts. sub. Was 30000 last year 😕. Kinda would like to get my first Barclay card but just not quite enough to get my first Barclay card . 🤣🤣🤣
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DebtFreeIn04 reacted to a post in a topic: What did you get in the email today?
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DebtFreeIn04 reacted to a post in a topic: It's Friday! Lurkers check in!
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RehabbingANDBlabbing reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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Kat58 reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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hegemony reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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DebtFreeIn04 reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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centex reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
Saw @centex good fortune and logged into citi. No auto cli. But widget said was eligible for credit increase no inquiry. Entered info + 1800 to 7100. Ok fine I'll take it 😁 -
DebtFreeIn04 reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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MP80 reacted to a post in a topic: Best 0% Balance Transfer Cards with HIGH limits. 733 FICO 8 $46k balance/61% utilization
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Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
Wait 91 days for next amex cli request after denial? Almost tempted to ask for 2x sooner just for science but don't want to poke em unnecessarily 🤓 -
Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
Yup that was mine too. Weird wonder of they just freaking out over the economy. I've not ever seen that before from amex -
Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
Meant got reason after 7 to 10 day online response -
centex reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
I got 3x 6 months ago. But declined for 3x last week due to income. Scratched my head income pretty good fico 8s in the 760's low or no utilization. Can't remember last time I was denied by amex. Got email right after 7 to 10 day letter with the reason. -
Master 2022 Approvals and CLIs Thread (Post Yours!)
DebtFreeIn04 replied to hegemony's topic in Credit Forum
I log into my account on my laptop enter "credit limit increase" in chat help . Pulls up link to enable request. Been like this for me about a year. No sign of link f[r that long. -
scott31337 reacted to a post in a topic: Master 2022 Approvals and CLIs Thread (Post Yours!)
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Second Chances reacted to a post in a topic: Avoiding Wells Fargo Pre-screened offers...waiting for Chase eligibility?
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I think I'm just gonna chill unless something amazing comes up. My current credit card line up is pretty strong, Amex BCP 6% groceries, PNC cash rewards 4% gas, Citi Custom cash 5% Restaurants. Amex hhonors Surpass for hotels etc. Don't really fly much. Something like the freedom flex would really be one that would be most useful. (Penfed power cash and Fidelity visa for my catch all 2%)
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So I'm weak, need encouragement! Got the WF active cash pre screen in mail with the $200 sub. I'll be < 5/24 for chase in 12 months., would love to think I can wait... on one hand I've sworn to avoid a relationship with WF due to the obvious previous WF issues. On the other hand I no longer carry balances and would love the "free" $200. What y'all think. Stay strong or cave? BTW already have 2 good catchall 2% cards 🤓