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mendelssohn's road to 760+


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Mendelssohn

 

It to change the subject am looking to add a amex and CLI which amex would you do and second would it be better for an amex be better first or CLI. I know hindsight is better than foresight. Especially when getting an amex.

A CLI on an existing Amex or another card?

 

Cash rewards or travel?

I don't have a personal amex. I do have a platinum business.

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Mendelssohn

 

It to change the subject am looking to add a amex and CLI which amex would you do and second would it be better for an amex be better first or CLI. I know hindsight is better than foresight. Especially when getting an amex.

A CLI on an existing Amex or another card?

 

Cash rewards or travel?

I don't have a personal amex. I do have a platinum business.

 

 

What kind of rewards do you want?

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Mendelssohn

 

It to change the subject am looking to add a amex and CLI which amex would you do and second would it be better for an amex be better first or CLI. I know hindsight is better than foresight. Especially when getting an amex.

A CLI on an existing Amex or another card?

 

Cash rewards or travel?

I don't have a personal amex. I do have a platinum business.

What kind of rewards do you want?

Cash

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Mendelssohn

 

It to change the subject am looking to add a amex and CLI which amex would you do and second would it be better for an amex be better first or CLI. I know hindsight is better than foresight. Especially when getting an amex.

A CLI on an existing Amex or another card?

 

Cash rewards or travel?

I don't have a personal amex. I do have a platinum business.

What kind of rewards do you want?

Cash

The BCP is worth $285 after the AF in the 6% grocery category every year.

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Speaking of Discover, I've been using them for a free $2 Amazon GC every month. :angel:

 

Now that they are giving CLIs again, I'm going to put at least 1 purchase on it each month in the 5% category, PIF before the statement cuts and then get my free $2 Amazon GC. :lol:

 

I'm going to try for a SP CLI every 3 months.

Mendel:

Everytime I have called Discover they have insisted on doing a HP for a CLI; how do you get them to do a SP for a CLI? or is it just persistence?

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Speaking of Discover, I've been using them for a free $2 Amazon GC every month. :angel:

 

Now that they are giving CLIs again, I'm going to put at least 1 purchase on it each month in the 5% category, PIF before the statement cuts and then get my free $2 Amazon GC. :lol:

 

I'm going to try for a SP CLI every 3 months.

Mendel:

Everytime I have called Discover they have insisted on doing a HP for a CLI; how do you get them to do a SP for a CLI? or is it just persistence?

This was my first ever CLI. I was declined twice with a HP and every other request.

 

I tried again based on this thread:

http://creditboards.com/forums/index.php?showtopic=542057&page=1

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While I'm waiting for my next round of obsolete disputes, I'm focusing on rewards and CLI strategies.

 

I just received this email from Citi:

 

Click. Earn. Enjoy.

HERE'S HOW IT WORKS:

You already earn 2 miles per $1 spent when you use your Citi® / AAdvantage® Platinum Select® World Elite MasterCard® for purchases on American Airlines and US Airways. Enroll today and you can earn 2 AAdvantage® miles per $1 spent on everything else you buy.1

 

BONUS - If you use Apple PayTM with your card for these purchases, you can earn a total of 10 AA AAdvantage® miles per $1 spent.

 

Earn up to 2,500 AAdvantage® miles through 06/30/2015. Offer excludes eligible American Airlines & US Airways purchases.

I'm going to max that out next month for the extra 2500 AA miles.

 

I was also credited yesterday with the other 15K Starpoints from the signup bonus for my Amex SPG Business card.

 

Since usage slightly above 80% resulted in a CLI on my Chase United card, I'm going to do the same with the new limit and also do the same on my Freedom for the next few months. I'm hoping for auto CLIs on both. I'll be happy with anything I get.

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Speaking of Discover, I've been using them for a free $2 Amazon GC every month. :angel:

 

Now that they are giving CLIs again, I'm going to put at least 1 purchase on it each month in the 5% category, PIF before the statement cuts and then get my free $2 Amazon GC. :lol:

 

I'm going to try for a SP CLI every 3 months.

Mendel:

Everytime I have called Discover they have insisted on doing a HP for a CLI; how do you get them to do a SP for a CLI? or is it just persistence?

This was my first ever CLI. I was declined twice with a HP and every other request.

 

I tried again based on this thread:

http://creditboards.com/forums/index.php?showtopic=542057&page=1

 

Thanks, I tried it and with a SP, I got a $1K increase.

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Another soft pull CLI on my Discover today from $9500 to $10,500. :good:

 


My Current Tradelines:


$xx,xxx Amex Premier Rewards Gold (2/14->2/92)
$25,000 NFCU Flagship Rewards Visa (6/13)

$21,050 Barclays Miles & More MC (10/14)
$17,000 Lowe's (2/14)

$15,000 Fidelity Amex (11/14)
$15,000 NFCU CLOC (6/13)
$12,000 Chase Sapphire Preferred Visa (7/14)

$10,500 Discover it (2/14)

$7,500 Cap One Quicksilver Visa (3/12)

$6,500 Chase United Mileage Plus Visa (12/14)

$6,000 Walmart (6/13)

$5,000 DCU Platinum Visa (7/12)

$5,000 Nordstrom Visa (10/14)

$4,800 Citi Platinum Select AAdvantage MC (7/14)
$4,500 Chase Freedom Visa (2/14)
$3,000 Amex Starwood Preferred Guest (9/14->9/92)

$2,050 Barclays Rewards MC (6/13)

$1,000 Amex Hilton HHonors (11/14->11/92)


Total Limits: $160,900

Average Limit: $9,465

 

 

Not included above:

 

$7,000 Citi Business Platinum AAdvantage

$3,000 Amex Starwood Preferred Guest Business

$xx,xxx Amex Business Gold Rewards

 

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:good: was hoping you'd get some Disco love again.

 

Ok I need to get my limits together and see how I compare. :grin:

 

You probably have more than me. :good:

 

I might beat you on average though. :P

 

It felt good to get Discover above $10K finally. I started at $8500 last year and until these 2 $1K CLIs, had been stuck there.

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Another soft pull CLI on my Discover today from $9500 to $10,500. :good:

 

 

 

 

My Current Tradelines:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$xx,xxx Amex Premier Rewards Gold (2/14->2/92)

$25,000 NFCU Flagship Rewards Visa (6/13)

$21,050 Barclays Miles & More MC (10/14)

$17,000 Lowe's (2/14)

$15,000 Fidelity Amex (11/14)

$15,000 NFCU CLOC (6/13)

$12,000 Chase Sapphire Preferred Visa (7/14)

$10,500 Discover it (2/14)

$7,500 Cap One Quicksilver Visa (3/12)

$6,500 Chase United Mileage Plus Visa (12/14)

$6,000 Walmart (6/13)

$5,000 DCU Platinum Visa (7/12)

$5,000 Nordstrom Visa (10/14)

$4,800 Citi Platinum Select AAdvantage MC (7/14)

$4,500 Chase Freedom Visa (2/14)

$3,000 Amex Starwood Preferred Guest (9/14->9/92)

$2,050 Barclays Rewards MC (6/13)

$1,000 Amex Hilton HHonors (11/14->11/92)

 

Total Limits: $160,900

Average Limit: $9,465

 

 

Not included above:

 

$7,000 Citi Business Platinum AAdvantage

$3,000 Amex Starwood Preferred Guest Business

$xx,xxx Amex Business Gold Rewards

 

Medel you have done an amazing job of credit repair. Looking back would you have change a anything.

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Looking back, the one thing I really regret is getting a Credit One card when I started rebuilding. I would pass on that.

 

I also regret not asking my brother much sooner to get me into NFCU. I opened my NFCU accounts about 18 months into rebuilding. Starting off with just a NFCU secured card probably would have been better, but I can't complain with where I am now.

 

I had debated about whether or not to open Amex cards with a dirty EX report, but I'm glad I didn't wait. I have 3 open cards reporting a 1992 D* and 1 closed card reporting a 1992 D*, and D* is now dead. I lucked out on that one.

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