The Master 2015 Credit Approvals Thread

[LakersFan]

Pretty happy now that I got approved for my first business card. Amex Simply Cash - low limit at 3k but I know this can grow. I will have to wait till early dec as I had an increase on my everyday card back in May.

 

Applied 3 months ago and was denied this card for low score or something like that. Score is still low now at 673 ex fico 8.

 

Pat

[Redundant2]

I always get in trouble when I spend time reading here! Went from gardening since 2012 to reading threads about Cap One Venture Signature approvals, and dangit, I fell off the wagon. Approved for $10K. My first Cap One card, formerly Orchard, has been stuck at a lowish limit for years. Wonder if they'll combine? Anyhoo, thanks for all the great info and detailed creditpulls data. Worth 2 hards (EX on ice) to get a huge chunk knocked off my util. Woohoo - thanks all!

 

And just like that, I'm an addict again.

[Guest]

 

 

 

 

Decided to get a Lowes card tonight to have along with my $22k Home Depot card. Submitted app online, instant approval for $3k. Spent 5 minutes with a rep on chat; asked for $25k, received $25k. Very happy with the approval and limit recon!

 

How did you do chat before you got the card? My friend got 3k tonight too and wants to try for 25k. Her highest line now is 15k.

Got a temporary shopping pass that gave me my account number. Registered for online access and accessed chat from there.

ok thx. It worked and she will do chat in am. Thx again

Her new limit is 25k!! Awesome.

That's great!

[mendelssohn]

 

 

 

 

 

 

 

 

 

Amex Business Gold Rewards

 

75K MR points for $10K spend in 3 months

AF waived the first year

Amex SPG Business for $3K

 

10K *P for first purchase, 15K *P for $5K spend in 6 months

AF waived the first year

Cap1 PC QS1 to QS

CLI from $4000 to $7500

Discover CLIs (3x $1000) from $8500 to $11.5K.

 

Amex Business Platinum

150K MR points for $20K spend in 3 months

Discover CLI from $11.5K to $12.5K (in May)

Walmart CLI from $6K to $10K

Lowe's CLI from $17K to $35K

Fidelity Amex CLI from $15K to $25K

Discover CLI from $12.5 to $13.5K (earlier this month)

NFCU Flagship CLI from $25K to $35K

Citi AA MC CLI from $4800 to $6300 with a SP

 

 

Citi AA Exec MC $8500

75K miles/$7500 spend in 3 months

 

 

Citi Hilton HHonors Visa $6000

75K points/$2K spend in 3 months

 

 

Chase Ink Plus Visa $10K

50K UR points/$5K spend in 3 months

 

 

Walmart CLI from $15K to $20K (3rd CLI in 45 days)

[Mazimayham]

Cap one 30k chase freedom 22k thanks to this forum

 

 

Sent from my iPhone using Tapatalk

[mizliz1011]

pretty damn good...hear they have big sales right now to compete with Amazon...

 

 

Walmart CLI from $15K to $20K (3rd CLI in 45 days)

 

[Vireo]

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

[david_weaver]

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

 

Was it a hard pull? I have been sitting on a $1,000 limit because I do not want a hard pull for store card increase.

 

Also, did you have to call in?

[Vireo]

I did it via secure chat. I don't pay for monitoring so I won't be sure about the pull until I can check CK or pull a backdoor report.

 

The first time I asked for a CLI ($500->$2000) I had to call in for verification and it was not a hard pull.

[Matti]

Lowes - $12,000 > $17,000

 

I'm up to $471,600 in available.

 

Goal is 1/2 a million by end of year.

[CameraSnaps]

 

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

 

Was it a hard pull? I have been sitting on a $1,000 limit because I do not want a hard pull for store card increase.

 

Also, did you have to call in?

 

 

Macy's increases are always SP.

[Konrad2012]

 

 

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

 

Was it a hard pull? I have been sitting on a $1,000 limit because I do not want a hard pull for store card increase.

 

Also, did you have to call in?

Macy's increases are always SP.

Look who showed up to say hello!

[CameraSnaps]

 

 

 

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

Was it a hard pull? I have been sitting on a $1,000 limit because I do not want a hard pull for store card increase.

 

Also, did you have to call in?

Macy's increases are always SP.

Look who showed up to say hello!

 

Ha! O haaaai! I have been here every night reading

I am moving to SoCal by September!!

[LakersFan]

 

 

 

 

Stingy Macy's only gave me a $1,500 CLI to $3,500. I asked for $10k hoping for $6k. (I know... I'm getting greedy consider my recent big CLIs and approvals.) I don't spend much on the card, so it's not really a big deal. It does push me over $50k available credit, which is a nice milestone.

Was it a hard pull? I have been sitting on a $1,000 limit because I do not want a hard pull for store card increase.

 

Also, did you have to call in?

Macy's increases are always SP.

Look who showed up to say hello!

 

Ha! O haaaai! I have been here every night reading

I am moving to SoCal by September!!

 

Just remember to take quick showers and do not water your lawn...

[CameraSnaps]

 

 

 

Macy's increases are always SP.

Look who showed up to say hello!

 

Ha! O haaaai! I have been here every night reading

I am moving to SoCal by September!!

 

Just remember to take quick showers and do not water your lawn...

 

Thanks for the reminder. I guess I will be using my Discover card as a substitute water efficient body scrub that way it will have some use

[tman21]

Approved for capital one for unsecured $300. I was first pre-approved and read the fine print and even though I have a charge off from 15 months ago I still qualified.

 

Around 550 - 570 FICO for all three CRA.

[Guest]

Added several good lines this year:

AMEX BCP - $5k -> $15k early 3x CLI after 20 days (instant for initial and CLI)

AMEX PRG (after instant approval, tried 2-fer for Everyday, but received 24 hour message)

Cap1 Venture - $20k - instant

NASA - $10k

Chase CSP - $16.5k - instant

Barclays US Airways (mid Dec) - $25k

Scores range from 705-735, 33% util, clean reports except single 5 year old 30 day late, AAOA 8 years.

AMEX BCP - $15k -> $30k

 

Requested my first AMEX BCP CLI at 180+1 days this past Saturday. Received the 2-3 day message. Assumed it was a denial or I would receive a request for a 4506t, hoping that I could put off submitting the 4506t until August so they would use 2014 returns.

 

Imagine my surprise when I log in this morning and notice that it was approved for the full amount I requested and, thus far, no request for 4506t. Im assuming that if they wanted one, they would have required it prior to granting an increase.

 

This is now my only AMEX card as I closed the PRG - I only got it for the bonus and backdating. It missed backdating by a few days after the "change" and they refused to give me the bonus, citing that the old version of the Gold card I had in the mid 2000s was the same thing as the PRG (I argued that it was a different product and they finally said that because it was in the same "family" and they considered it the same for bonuses).

[IndyPoolPlayer]

AMEX BCP - $15k -> $30k

Requested my first AMEX BCP CLI at 180+1 days this past Saturday. Received the 2-3 day message. Assumed it was a denial or I would receive a request for a 4506t, hoping that I could put off submitting the 4506t until August so they would use 2014 returns.

 

Imagine my surprise when I log in this morning and notice that it was approved for the full amount I requested and, thus far, no request for 4506t. Im assuming that if they wanted one, they would have required it prior to granting an increase.

 

If you were going to get a 4506T, as soon as you put in the amount of CLI requested it will divert to the online 4506T.

[cv91915]

 

AMEX BCP - $15k -> $30k

Requested my first AMEX BCP CLI at 180+1 days this past Saturday. Received the 2-3 day message. Assumed it was a denial or I would receive a request for a 4506t, hoping that I could put off submitting the 4506t until August so they would use 2014 returns.

 

Imagine my surprise when I log in this morning and notice that it was approved for the full amount I requested and, thus far, no request for 4506t. Im assuming that if they wanted one, they would have required it prior to granting an increase.

 

If you were going to get a 4506T, as soon as you put in the amount of CLI requested it will divert to the online 4506T.

 

 

Finally!

[Guest]

 

AMEX BCP - $15k -> $30k

 

Requested my first AMEX BCP CLI at 180+1 days this past Saturday. Received the 2-3 day message. Assumed it was a denial or I would receive a request for a 4506t, hoping that I could put off submitting the 4506t until August so they would use 2014 returns.

Imagine my surprise when I log in this morning and notice that it was approved for the full amount I requested and, thus far, no request for 4506t. Im assuming that if they wanted one, they would have required it prior to granting an increase.

 

If you were going to get a 4506T, as soon as you put in the amount of CLI requested it will divert to the online 4506T.

Nice to know. Thanks!

[althes]

barneys 11000 > 21000. the college age kid likes to shop there online.

[mendelssohn]

Barclays Miles & More MC CLI from $24,100 to $30,000

 

Other stuff from earlier this year (since I can't quote myself anymore):

 

Amex Business Gold Rewards
75K MR points for $10K spend in 3 months
AF waived the first year

 

Amex SPG Business for $3K
10K *P for first purchase, 15K *P for $5K spend in 6 months
AF waived the first year

 

Cap1 PC QS1 to QS
CLI from $4000 to $7500

 

Discover CLIs (3x $1000) from $8500 to $11.5K.

Amex Business Platinum
150K MR points for $20K spend in 3 months

 

Discover CLI from $11.5K to $12.5K (in May)

Walmart CLI from $6K to $10K

Lowe's CLI from $17K to $35K

Fidelity Amex CLI from $15K to $25K

 

Discover CLI from $12.5 to $13.5K (earlier this month)

NFCU Flagship CLI from $25K to $35K

 

Citi AA MC CLI from $4800 to $6300 with a SP

 

Citi AA Exec MC $8500

75K miles/$7500 spend in 3 months

 

Citi Hilton HHonors Visa $6000

75K points/$2K spend in 3 months

 

Chase Ink Plus Visa $10K

50K UR points/$5K spend in 3 months

 

Walmart CLI from $15K to $20K (3rd CLI in 45 days)

[deanmartini]

July 23, 2015 - Home Depot Store Credit Card increase from 2500 --> $10,500

 

Requested increase on July 7, 2015 after collection was supposedly removed and was denied.

 

Requested again on July 23 - approved (only asked for $8000 increase) (it was a HP, but that's ok ).

 

It was originally opened in 2014 at $600. Got the increase to $2500 in May 2015.

[Gudziel]

Discover it Miles Card - Approved. Unfortunately, I have no clue on how much the CL is?!

 

Anyone have any luck calling and finding out or do I need to wait the 7-10 days for the information to come in the mail?

[Mazimayham]

They will send you a email in a day or two with your limit

 

 

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