KayveBear's Running Credit Thread

[kayvebear]

Still haven't had a hard inq appear for new Amex card. Do they use softs sometimes for existing customers ?

[shifter]

no.

 

but it could be on TU.

[cinammonkisses]

I just sat and read the entire 15+ plus pages. I'm inspired by your journey Kayvebear.

 

Did you complete your Doctor of Chiropractor? I've considered becoming a Naturopathic Doctor but those tuition fees $200K scare the hell outta me.

[kayvebear]

I just sat and read the entire 15+ plus pages. I'm inspired by your journey Kayvebear.

 

Did you complete your Doctor of Chiropractor? I've considered becoming a Naturopathic Doctor but those tuition fees $200K scare the hell outta me.

 

Cinnamon - looking at completion 2019 ! Finding something you LOVE to do is the way to go regardless of the cost!

[kayvebear]

Congratulations!

You've been approved for the Sallie Mae World MasterCard with a revolving credit line of $12,500.00

 

[VintageWillow]

YAY!!!

[kayvebear]

GECRB Direct Underwriter just bumped my Paypal SConnect to 45k and Walmart MC to 45k.

[HoustonLynne]

GECRB Direct Underwriter just bumped my Paypal SConnect to 45k and Walmart MC to 45k.

WHOA...we have a new "ceiling" with this. Highest reports WERE $35K -- nice work!

[kayvebear]

 

GECRB Direct Underwriter just bumped my Paypal SConnect to 45k and Walmart MC to 45k.

WHOA...we have a new "ceiling" with this. Highest reports WERE $35K -- nice work!

 

 

I thought 35k was ceiling also. Tried for 50k and underwriter tried to give it.... so might be able to go higher than 50k.

[HoustonLynne]

 

 

GECRB Direct Underwriter just bumped my Paypal SConnect to 45k and Walmart MC to 45k.

WHOA...we have a new "ceiling" with this. Highest reports WERE $35K -- nice work!

 

 

I thought 35k was ceiling also. Tried for 50k and underwriter tried to give it.... so might be able to go higher than 50k.

 

This is good news...I'm at $35k on my only two Synch cards, and I was planning to push the assumed limits in the next few months. Thanks for paving the way!

[kayvebear]

 

 

 

GECRB Direct Underwriter just bumped my Paypal SConnect to 45k and Walmart MC to 45k.

WHOA...we have a new "ceiling" with this. Highest reports WERE $35K -- nice work!

 

 

I thought 35k was ceiling also. Tried for 50k and underwriter tried to give it.... so might be able to go higher than 50k.

 

This is good news...I'm at $35k on my only two Synch cards, and I was planning to push the assumed limits in the next few months. Thanks for paving the way!

 

 

Happy to help as always

[moosetracks]

Good day for you, grats on the Sallie Mae and the double bump on your Synchrony cards :clapping:

[kayvebear]

Called in to barclay's for a recon on the starting 12.5k line on the Sallie Mae MC. Nice that they are willing to do it on a soft inq. Asked for 45k starting line (matches four of my highest lines) ... UW countered with $25k and I accepted.

[HoustonLynne]

Called in to barclay's for a recon on the starting 12.5k line on the Sallie Mae MC. Nice that they are willing to do it on a soft inq. Asked for 45k starting line (matches four of my highest lines) ... UW countered with $25k and I accepted.

Nice work here -- great stuff for combining limits later!

[lilyflower]

Wow, congrats!

[kayvebear]

Applied online for PenFed CLI. Approved for measly +$2500 to $32500. Awaiting response on Recon.

 

Balance transferred all my debt to NFCU under 0$ fees and 0% APR promotion for 12 months.

 

Wrote letter asking NFCU for a CLI of $5k to $50k max without a hard inq. awaiting response.

 

Requested online CLI from Discover. Awaiting response.

 

Requested online 61 day CLI on Amex Everyday. They want income verification. Probably will ignore. See what happens here.

 

Applied for CLI on Citibank. Denied

 

EO for Cap 1. Denied. Luv button online, approved for +$750 lol.

[kayvebear]

Might sound silly, but my NFCU Visa was at 45k and I just busted a hard inq to get it maxed to 50k. Approved.

 

Couldn't get any lines above 45k (had four of them) and wanted a 50k. Also, I balance transferred $17,400 at 0% to NFCU today so it seemed wise from a Util% perspective.

 

Yay

 

Also Discover soft inq CLI of $500

[ubercat]

Congrats!

[mendelssohn]

I'm guessing the PC question is because you should have asked for more than $50K on the Flagship after a PC. I agree.

Edited April 9, 2015 by mendelssohn

[kayvebear]

I'm guessing the PC question is because you should have asked for more than $50K on the Flagship after a PC. I agree.

 

Still not ready for cards with an AF

[kayvebear]

Grrr 2nd recon on penfed CLI bumps to 35k. 3rd recon in progress

[kayvebear]

Grrr 2nd recon on penfed CLI bumps to 35k. 3rd recon in progress

Victory is mine !! 3rd recon a success with penfed. Never surrender ! CLI to 50k

Edited April 10, 2015 by kayvebear

[mendelssohn]

 

Grrr 2nd recon on penfed CLI bumps to 35k. 3rd recon in progress

Victory is mine !! 3rd recon a success with penfed. Never surrender ! CLI to 50k

Nice!

[kayvebear]

Wow. Total revolving lines is $480,350. $20,000 away from 1/2 a million dollars... and currently waiting on response from US Bank on a CLI where I requested an additional 25k.

 

Feeling proud, and feeling like 1/2 a million is more than enough. I have a lot of cards to get to that level, but not a million either. I am pumped. Can't wait to hit that mark

[tommyfyeah]

you might be the person to ask this question to. how are you fighting for these CLIs they tell me no and i don't know what to say haha