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  1. Hello, People are reporting denials of credit limit increases in Walmart card even with great credit. Myself applied for increase 6/16v and for denied, immediately after approved for increase on Amazon store card to 3000 from 600, then after PayPal smart connect card to 3500 from 1000. Which leads me to believe CLI CLOSED. Last reported increase was the 11th or 12th of this month and feel 6/15 was the last day for increases as synchrony prepares to hand-off accounts to capital one where we get lovely hard pulls for increases.
  2. All this month! New credit: DCU PLATINUM credit card - $5000 starting limit. Funny part... A day after DCU card started reporting on my Equifax I got an auto increase on my NFCU go rewards card from 4500 to 5300. Seems navy wants to be my highest limit prior to DCU. NFCU wanted it's crown back. NFCU also upped nrewards card from 3000 to 4000 Equifax at the time 664 fico8 Today I decided to try synchrony again. First up Walmart. Tried 5k... Denied, 4k... Denied, 3k... Denied, 2k... Denied, 1k... Denied. They refuse to budge on my 500 limit. Wonder if there is a freeze on Walmart cards for limit increases due to takeover? I thought all hope was lost but decided to try my other 2 synchrony cards (these 3 only ones that survived synchrony wrath of shutdowns when my credit tanked 4 years ago and only survived because there was a balance on them. They even balance chased me so I kept charging and slow pay to keep them active. RIP; Old navy, thx, carecredit, Lowe's, JCP, Chevron) anyrate tried pay pal smart connect store card and requested my standard 5k from them during a denial. Floored to see they countered to 3500! 1000 - 3500 Gave me some hope with Amazon store card. Limit was 600. Requested standard 5k and they countered with 3000! 600 - 3000 Unbelievable! Which leads me to believe there's a hold on increases with Walmart TransUnion fico8 670 Quite the hall for me! Best ever in my life actually $11,700 in added buying power
  3. Is it updating every month? Sent from my LG-H931 using Tapatalk
  4. Target credit card auto CLI 900 TO $1,200 Sent from my LG-H931 using Tapatalk
  5. Really? I've never in my life received no such documents when refinancing / PIF an auto loan [emoji15][emoji15][emoji15] Sent from my LG-H931 using Tapatalk
  6. All for good reason apparently! Thanks for chiming in 👍 Didn't know about the penalty for paying off early. That's why I posted this... To gather info on them. Thanks for that. Everything before "Given that this is a re-fi..." Useless... Nope driving hard and fast n paying like normal. 75 month note... 2 months in. I had already planned on going through a credit union. IFS popped up and was curious that is all. Just keeping options open. Seeing as they have prepayment penalties they can go shove it. I'll get my scores above 700 and refinance then. They strictly deal with deals already done elsewhere minus company car. IMO I figure they have primary (1st) lenders do the legwork in weeding out the potential sours before getting the notes then they get people transferred to them to collect the interest. That's music to my ears 😂🤣😂. Love my phone font. 👍
  7. I randomly stumbled upon them yesterday and they do offer soft pull pre-approval so I did that. I understand it's as low as 5.9 and high chance it'll be higher same with payment. Not going to pull any trigger, Just curious. Current loan... 9.48% APR with 73 months left. Still few things I want to fix up on my credit. Looking for 4.99 or lower APR and I'll be happy. Sent from my SM-N960U using Tapatalk
  8. Walmart store card luv button increase. Starting limit 100 bucks. Requested 1000 countered with 500. +400 bucks. I'll take it. Sent from my SM-N960U using Tapatalk
  9. More and more people heavily rely on gig econojobs for income. Ride sharing, courrier, food delivery, any on demand work when you want job. People don't want to be tied down to that 9-5, 9-9, 7-3, whatever job and want the flexibility. No paycheck or paystubs for those. Some give statements most you wait till tax season. Sent from my SM-N960U using Tapatalk
  10. LoL I'm a testament to bank of America. Had active checking with direct deposit with them and 2 charge off credit cards. They didn't touch my checking account. HOWEVER! if you have a mortgage with them and charged off credit cards they will apply the charge off balance to your mortgage. Happened to my mom. Whether it was legal don't know but that happened! Sent from my SM-N960U using Tapatalk
  11. Checked my NFCU and surprise! My nRewards has an auto credit limit increase +1000. From $2000 to $3000 Earlier this month my go rewards received an auto credit limit increase from 3300 to 4300. My Navcheck still no credit limit increase and stuck at 4500 Sent from my SM-N960U using Tapatalk
  12. Got an auto credit limit increase +1000 bucks on NFCU cash rewards card. Didn't ask for it. Latest FICO9 from them is 665. 648 last month. Guess going over 650 must've triggered it. Still stuck at 2k on nrewards and 4500 navcheck. Last request was in July 2018 and was an instant deny. Score was 648 July though December 2018. Didn't change til this month. The wait for better credit continues Sent from my SM-N960U using Tapatalk
  13. Some digging around and looks like USA federal sponsored nawbo. Guess won't know until someone bites the bullet http://www.businesswire.com/news/home/20060503006002/en/NAWBO-San-Diego-Announces-Nominees-2006-BRAVO%21 http://www.businesswire.com/news/home/20070503006256/en/NAWBO-San-Diego-2007-BRAVO%21-Awards-Honor P. S. They doing a membership drive *Note: The one time initiation fee is normally $100 and the $25 discount is automatically applied during the membership drive. Returning members pay a reinstatement fee of $25, this is waived during the membership drive. The log in information you receive from the NAWBO National will be a different log in from the local chapter. Membership starts on the first day of any given month and includes a 30-day grace period. Membership dues are non-refundable. Not sure what level of membership to join at? For a list of membership benefits for each level click here. Sent from my LG-H910 using Tapatalk
  14. Rewards When you open a More Rewards Card account,1 you'll earn 3 points at supermarkets, 3 points at gas stations, 2points at restaurants and 1 point on everything else.1 Details:Rewards Expiration: Never Rewards Limit: None Rates Purchase & Balance Transfer Variable APR Between 10.65% - 18.0% Wonder if this is harder to get then the Visa and mastercard and if there is a minimum like the visa signature.

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