The Master 2015 Credit Approvals Thread

[JayB27]

 

They are basically soft pulls.

 

Ehhh ... OK I bowed to peer pressure and took the two hits ... CLI from $1100 to $5700

Much more respectable line, especially considering it's age in your sig.

[mizliz1011]

 

 

So I broke down and decided to mini-spree with EX and EQ on ice.

 

Chase - Amtrak Guest Rewards - APPROVED - $23,000 CL

 

BankOfAmerica - 7-10 day notice. EX on ice so this will go nowhere likely. BOA ain't worth unthawing EX over.

 

Call BofA and ask them to pull something else.

 

 

+1

 

I got them to pull EQ for me, which is normally choice number 3 for BOA.

 

they pulled TU for me,froze Ex and EQ... got $15K, amazed.

[mizliz1011]

Citi, Double Cash, Denied, EX HI, was 703

AmEx BCP, TU pull, $5200

Barclays SM, TU I assume (have not checked, others frozen), 10 day pending... a little worried about that

 

Have two TU pulls on file, Bank of A and Amex, have $15K on Arrival and USAA, both neg balances from over payments.

 

running money through them like a trout stream in MAY, pif so often that I am running a credit balance Hope that SM works out...

 

Anyone else know if a ten day pending is an eff u?

[IndyPoolPlayer]

 

 

They are basically soft pulls.

Ehhh ... OK I bowed to peer pressure and took the two hits ... CLI from $1100 to $5700

Much more respectable line, especially considering it's age in your sig.

 

Yeah. It's a 7 year old TL. P1$$ed me off to no end when BOA balance chased me back in the credit crunch days.

[JennyAZ]

Does balance chasing mean that as you pay off your balance they lower your credit limit, or is it just a CLD? If it's the first case, do they wait till you have paid off like 5K and then cut your limit by 5K?

[IndyPoolPlayer]

Citi, Double Cash, Denied, EX HI, was 703

Ouch! That hurts!

 

AmEx BCP, TU pull, $5200

Barclays SM, TU I assume (have not checked, others frozen), 10 day pending... a little worried about that

 

Anyone else know if a ten day pending is an eff u?

Could be Barclays tried to pull a frozen report, or its an f.u.

[IndyPoolPlayer]

Does balance chasing mean that as you pay off your balance they lower your credit limit, or is it just a CLD? If it's the first case, do they wait till you have paid off like 5K and then cut your limit by 5K?

They CLD to your current balance, then as you pay off the card they incrementally lower it. Stinks because it jacks up your util% and tanks your FICO scores, leading you to adverse action from other creditors. Which happened a lot during the credit crunch. S#!tty creditors would just CLD you to a new limit and b!tchslap you with over-the-limit fees just to spite you.

[JayB27]

 

 

 

They are basically soft pulls.

 

Ehhh ... OK I bowed to peer pressure and took the two hits ... CLI from $1100 to $5700

Much more respectable line, especially considering it's age in your sig.

Yeah. It's a 7 year old TL. P1$$ed me off to no end when BOA balance chased me back in the credit crunch days.

Did you call for this CLI?

[Snuffmanp101]

Started the year off nicely with a

• Discover it - $4,000 limit (1/1/15) Recon had to confirm address, EQ was frozen at 655 so they pulled TU 721
• Chase amazon rewards- $2500 limit (1/7/15) Recon had to confirm address pulled my EX 658

Should I end my streak before someone tries to close an account? I just had

• Barclay $2500~$7500 cli (12/15/14)
• NFCU cashrewards $14000(12/15/14)
• AMEX HHonors $1000( waiting for 61 day 3x luv)

I want to try another amex for the January D*, or should I just wait till next year?? I think 4 in one month might be pushin it lol

[parisamour]

Cap1 Venture 1 - 5k

Barclay Apple Visa -3.5k

Amex Delta Gold- 1k meh

 

 

 

It was a good day.

[IndyPoolPlayer]

 

 

 

 

They are basically soft pulls.

Ehhh ... OK I bowed to peer pressure and took the two hits ... CLI from $1100 to $5700

 

Much more respectable line, especially considering it's age in your sig.

 

Yeah. It's a 7 year old TL. P1$$ed me off to no end when BOA balance chased me back in the credit crunch days.

 

Did you call for this CLI?

 

No. Tapped the luv button.

[MGB007]

After getting my Visa CLI from penfed to 50k , A few days later I said screw it I don't have anything to loose they will use the same credit pull,

I APPED for the line of credit asked for there max 25k and the next day it said transferred and was already to use when I logged in.

Didn't ask for anything from me. My score with them is 860.

[JayB27]

Finally got some luv on my Navy CC.

 

$8.5k ---> $15k Instant, soft pull. (Should've went for more, next time)

 

That is a first for me, they have always done hard pulls.

 

My reports have always been dirty prior to this most recent AR on EQ.

 

Pretty happy about this, it was my first real CC, started at $4k. A pre-approval upon membership.

[Quietman]

 

Just got approved PRG, standing by to apply for BCE. Would've applied already, but I got a work call right as I got off the phone with Amex.

And approved for BCE! $10k limit!

 

 

Fantastic Twofer, congrats!

[Quietman]

Oh My GOODNESS I can't BELIEVE it!!!!! I am so excited to say I apped for the

 

1. Barclay Apple

2. Instant Approval

3 2000.00 CL

4 HP

 

This is the first "Big Girl" Card I have EVER been approved for! I also apped for the Barclay Rewards but got the 7-10 day message. I am floored. And it is all because of CB! The credit pulls database, and some of other threads here.... THANK YOU! THANK YOU! THANK YOU!

 

Big Girl indeed, congrats!

Done deals:

01/07/2015 - NFCU mortgage closed

01/07/2015 - Citibank Home Depot - $1,001 - What the hell kind of limit is $1,001?

01/08/2015 - Amex Costco True Earnings Card - $1,200 - Meh... least it adds age and will only really get used at Costco anyways

 

CLIs:

01/08/2015 - Discover - $500 increase to $7,200 - They can suck egg.

 

Pending:

01/08/2015 - NFCU request to combine my two cards

01/08/2015 - Citi Simplicity CLI

01/08/2015 - Citi HHonors CLI

 

You'll have to let us know how your pending actions went.....I'm curious!

[Quietman]

So I broke down and decided to mini-spree with EX and EQ on ice.

 

Chase - Amtrak Guest Rewards - APPROVED - $23,000 CL

 

BankOfAmerica - 7-10 day notice. EX on ice so this will go nowhere likely. BOA ain't worth unthawing EX over.

 

Excellent new tradeline! Congrats!

RBFCU Rewards MC CLI

 

 

20k -> 25k

 

Nice CLI, Congrats

[Quietman]

Just got off phone with the BOA UW's - They pulled TU and approved me for $25K

 

So I asked about my crappy $1100 limit BOA card and if he could grant a CLI from the TU he just pulled - No go. Requires a separate pull for the CLI. Really BOA?

 

I am seeing the pattern in my "prybar" TLs - Once I got into the $20K to $25K CL's with USBank and Amex - the others for the most part are willing to follow suit - Synchrony, Chase, and now BOA.

 

This is the "prybar" strategy I am considering for early next month, Congrats!

[Quietman]

Started the year off nicely with a

• Discover it - $4,000 limit (1/1/15) Recon had to confirm address, EQ was frozen at 655 so they pulled TU 721
• Chase amazon rewards- $2500 limit (1/7/15) Recon had to confirm address pulled my EX 658

Should I end my streak before someone tries to close an account? I just had

• Barclay $2500~$7500 cli (12/15/14)
• NFCU cashrewards $14000(12/15/14)
• AMEX HHonors $1000( waiting for 61 day 3x luv)

I want to try another amex for the January D*, or should I just wait till next year?? I think 4 in one month might be pushin it lol

 

Excellent new trade lines! Congrats!

 

(my starting limit with HHonors was $2K, they seem pretty stingy with that one!)

 

[Quietman]

Cap1 Venture 1 - 5k

Barclay Apple Visa -3.5k

Amex Delta Gold- 1k meh

 

 

 

It was a good day.

 

Good day indeed, congrats!

Edited January 9, 2015 by Quietman

[Quietman]

After getting my Visa CLI from penfed to 50k , A few days later I said screw it I don't have anything to loose they will use the same credit pull,

I APPED for the line of credit asked for there max 25k and the next day it said transferred and was already to use when I logged in.

Didn't ask for anything from me. My score with them is 860.

 

AWESOME! I think you're on way to credit pimpdom! Congrats!

 

(I'm going for PenFed early next month myself, you've encouraged me!)

 

[Quietman]

Finally got some luv on my Navy CC.

 

$8.5k ---> $15k Instant, soft pull. (Should've went for more, next time)

 

That is a first for me, they have always done hard pulls.

 

My reports have always been dirty prior to this most recent AR on EQ.

 

Pretty happy about this, it was my first real CC, started at $4k. A pre-approval upon membership.

 

Great CLI for a soft pull (ok, for ANY pull!) Congrats!

[mizliz1011]

 

Citi, Double Cash, Denied, EX HI, was 703

Ouch! That hurts!

 

AmEx BCP, TU pull, $5200

Barclays SM, TU I assume (have not checked, others frozen), 10 day pending... a little worried about that

 

Anyone else know if a ten day pending is an eff u?

Could be Barclays tried to pull a frozen report, or its an f.u.

 

APPROVED FOR SALLIE MAY $4000!!!!!!!!!!!!!!!!!!!!!!!!! SHOULD I RECON?????????????

[mizliz1011]

 

So I broke down and decided to mini-spree with EX and EQ on ice.

 

Chase - Amtrak Guest Rewards - APPROVED - $23,000 CL

 

BankOfAmerica - 7-10 day notice. EX on ice so this will go nowhere likely. BOA ain't worth unthawing EX over.

 

Excellent new tradeline! Congrats!

RBFCU Rewards MC CLI

 

 

20k -> 25k

 

Nice CLI, Congrats

 

BANK OFAMERICA WILL PULL TU HAPPILY

[mrjuggalo9er]

 

 

Citi, Double Cash, Denied, EX HI, was 703

Ouch! That hurts!

 

AmEx BCP, TU pull, $5200

Barclays SM, TU I assume (have not checked, others frozen), 10 day pending... a little worried about that

 

Anyone else know if a ten day pending is an eff u?

Could be Barclays tried to pull a frozen report, or its an f.u.

 

APPROVED FOR SALLIE MAY $4000!!!!!!!!!!!!!!!!!!!!!!!!! SHOULD I RECON?????????????

if its not in line with your other limits by all means

[BW1216]

Done deals:

01/07/2015 - NFCU mortgage closed

01/07/2015 - Citibank Home Depot - $1,001 - What the hell kind of limit is $1,001?

01/08/2015 - Amex Costco True Earnings Card - $1,200 - Meh... least it adds age and will only really get used at Costco anyways

01/08/2015 - NFCU request to combine my two cards

CLIs:

01/08/2015 - Discover - $500 increase to $7,200 - They can suck egg.

Denied:

01/08/2015 - Citi Simplicity CLI - I hate Citi...

01/08/2015 - Citi HHonors CLI - Have I mentioned I hate them? Does anyone know if they counter offer? I requested $20k on both because it is a similar line compared to my other cards, maybe asked for too much?