The Master 2015 Credit Approvals Thread

[Mo Munny Mo Problems]

Approved = BankAmericard Better Balance Rewards -> $8,400

EX frozen, app disapproved. Recon identified herself as a senior analyst, told me that EX

was frozen and asked me if I would like to use TU. Waited on hold a couple

and got approved. TU FICO 750

Jealous. I got turned down for that card a few weeks ago

[hyschmied]

Had some apps scheduled for Sep 1 but was worried the Citi TYP bonus would drop so I did them all today.

 

Citi TY Premier for 60,000 pts - Approved 5.4k

Chase Hyatt for the 2 nights - Approved 8k

Amex SPG for the 30,000 mr - Approved 2k

Cap One Venture for 40,000 - Approved 10k

 

If I could have found a good IHG 80,000 offer around still it would have replaced the Hyatt app. But all I could get was the 60,000.

 

I try to travel as much as possible with my wife and kids so all these cards fit with my portfolio of rewards that we will use. Even the Cap One comes in handy for covering car rentals, etc.

Next apps scheduled for 01/16.

[TheVig]

Low limit to start. But I buy a lot of polo shirts from them. They have special offers through out the year for card holders, so it's worth it too me. After I run a bunch through it, and PIF every month, I will go for a CLI.

 

King Size Direct $500.

[RussInGotham]

I decided to try to get two Amexes again today.

 

That PRG 50K offer seems gone, so I went with the standard offer through a referral link from mendelssohn. Approved!

 

Then I went for the ED through a referral link from HL. Approved for $2K! The limit sucks, but the 29 year trade line doesn't.

Online CLI request for my Fidelity Amex. I asked to go from $9K to something like a $20K or $25K line. Instant approval for $16.7K! This is now my highest line, and it takes me to over $50K in trade lines. Next stop, $100K!

I requested a CLI this morning for my $2K Amex ED. I almost asked for a CLI for my $6K BCE, but I didn't want the rejection. Not because I'm afraid of rejection, but because I don't want to wait 90 days before requesting another CLI. Anywho, approved to $6K!

 

Now at $55,600 in credit, with an average line of $5,054.54.

I called Citi's EO yesterday asking for a CLI for my $2.5K Double Cash. Asked them to match the $16.7K on my Fidelity Amex. A CLI came through an hour ago. $12.3K! This is now my second highest limit.

 

Now at $65,400 credit, with an average line of $5,945.45.

I'm in the middle of an app spree today. So far:

• Sallie Mae $6,000
• IHG (Chase) $14,600
• Bank of America $11,000

I have apps with Alliant and UNFCU that are pending.

 

I now have 15 lines. 14 are revolving, with $97,000 of credit, and an average line of $6,928.57.

Got a HP CLI on my Chase Freedom to go from $3,500 to $6,000.

 

Alliant initially approved me for $2,000, but when I said that I wanted to do a $3,000 balance transfer, I was put on hold. A few minutes later, the loan officer said that because I have a 823 credit score, they're giving me a $15,000 line! Now I need to figure out what scoring model Alliant uses.

 

I now have six-figures in credit! $114,500 in credit lines, with an average line of $7,633.33.

My UNFCU Azure app was denied. Twice.

 

I finally was able to recon it into an approval. Only a $1,500 Azure for now, but I'll take it!

 

17 credit lines, with 16 revolving for $116,000 of credit. Average line is $7,250.00.

 

A few weeks ago, I got an auto-CLI from CapOne. My QuicksilverOne went from $1,700 to $3,700.

 

Today I applied for a Starwood Amex with the 30K point offer, using a referral from HL. Got the "we need to think about it" message. Called in. Answered a few questions. Approved for $2K.

 

I now have 18 credit lines, with 17 revolving for $120,000 of credit. Average line is $7,058.82.

 

On August 13th, my secured Discover graduated to unsecured. Got a $500 CLI.

 

 

Tonight I pulled the trigger on a Citi HHonors. $4,800 limit.

 

 

That's $125,300 in credit, with an average line of $6,961.11.

[mendelssohn]

You've done a great job building your profile.

[RussInGotham]

You've done a great job building your profile.

 

Thanks! My next card is probably going to be a Citi Premier. Not sure when.

[mizliz1011]

Question in general, read here that some people were having Navy Federal secured NRewards going unsecured at 12 months vs.13...

 

can anyone who has experienced that lately pipe in (this is my one year anniversary)...

[deanmartini]

Approved for DCU refinance (from 4.49% at Alliant) auto loan Friday at 2.24% on $25,600 /5 years. Not sure the score they pulled yet. Will add it to creditpulls.

Edited September 5, 2015 by deanmartini

[nateinva]

Ebates Visa CLI $4.7k --> $25k (called Sr. UW, total SyncB exposure getting close to $130k)

 

PenFed Personal Loan: $10k (applied online and loan funded within a matter of hours...on a Saturday)

 

Cap1 Vulture1 CLI $10k --> $12k (luv button)

[mizliz1011]

Ebates Visa CLI $4.7k --> $25k (called Sr. UW, total SyncB exposure getting close to $130k)

 

PenFed Personal Loan: $10k (applied online and loan funded within a matter of hours...on a Saturday)

 

Cap1 Vulture1 CLI $10k --> $12k (luv button)

Nate, your scores are getting AWESOME

[nateinva]

Thanks liz !!!

[Cappy]

6 K Discover CLI

 

Up to 21K

[nateinva]

Captastic.

[Cappy]

Captastic.

Thanks.

 

Your Cli's were Natastic!

[deanmartini]

Ebates Visa CLI $4.7k --> $25k (called Sr. UW, total SyncB exposure getting close to $130k)

 

PenFed Personal Loan: $10k (applied online and loan funded within a matter of hours...on a Saturday)

 

Cap1 Vulture1 CLI $10k --> $12k (luv button)

 

Was the PenFed a pre-approved offer or you initiated the app?

[mizliz1011]

6 K Discover CLI

 

Up to 21K

excellent!

[nateinva]

 

Ebates Visa CLI $4.7k --> $25k (called Sr. UW, total SyncB exposure getting close to $130k)

 

PenFed Personal Loan: $10k (applied online and loan funded within a matter of hours...on a Saturday)

 

Cap1 Vulture1 CLI $10k --> $12k (luv button)

 

Was the PenFed a pre-approved offer or you initiated the app?

 

I haven't been a member long enough to get any offers yet so this one was initiated by me on my initial membership hard pull.

[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)

 

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

 

Amex Hilton HHonors auto CLI from $1K to $2K

 

Amex SPG CLI from $3K to $9K

 

Cap1 QS CLI from $7.5K to $10K

 

Amex Platinum

100K/$3K in 3 months

Discover CLI from $13.5K to $15.5K

[Cappy]

Congrats. Gotta love discover

[cv91915]

Congrats. Gotta love discover

 

[astro777c]

 

Congrats. Gotta love discover

 

 

[mizliz1011]

discover was my largest settlement with any JDB )(cohen and slamowitz). however, C&S misreported it after settlement against the terms of the settlement (in writing with an attorney) so he said he would sue them.

 

POOF, no more discover or cohen & slamowitz on my report. An awfully expensive deletion but two more heads rolling off the block...

[fallencyi]

Somewhat successful app spree last night after one too many beers.

 

Chase United Airlines Explorer $24,000.00

CITI Diamond Preferred MC $10,400.00

CITI Hilton Hhonors $9,100.00

Amex Blue Cash Everyday $5,000.00

Everything was in my plan but I probably should have spread them out a bit more , now I've got 8 inq's on EX & it's definitely time to Garden.

[mizliz1011]

fabulous job, congratulations and keep drinking...

[Matti]

Citi ThankYou Premier -

 

Goal this year was to achieve $500k+ in available.

 

Sitting at $555,900