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The Master 2015 Credit Approvals Thread


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yesterday approved for SPG business 30k initial limit. EX 715.

 

just got the card today. Went online and requested an increase to $75,000. Approved!

 

 

Boom! Congrats! :good:

 

I just got back in with Amex today after over 20 years. BCE. Only a $1K limit to start, but I know about the 3x CLIs, and I'm getting a $250 signup bonus. :dance:

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Daaang son! Woohoo! Do you have any other American Express cards?

 

No. DW does though. I don't post here often, but I read alot. I'll tell you the only reason I had my EX over 700 and knew about the SPG bonus offer and knew to ask for a CLI immediately after receiving the card is becasue of tips I picked up here on CB,

 

Actually, looking back my EX has been frozen for two years, so to start wtih when I applied I had to unfreeze it. THis app i smy only current inquiry on EX.

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Daaang son! Woohoo! Do you have any other American Express cards?

No. DW does though. I don't post here often, but I read alot. I'll tell you the only reason I had my EX over 700 and knew about the SPG bonus offer and knew to ask for a CLI immediately after receiving the card is becasue of tips I picked up here on CB,

 

Actually, looking back my EX has been frozen for two years, so to start wtih when I applied I had to unfreeze it. THis app i smy only current inquiry on EX.

Niiice job! Well u were rewarded commensurately! My highest lying right now is my NFCU at 30k... I can't wait to pry bar that one and my USAA up to 50 ... for me, I don't think it gets any better as far as limits. Any more than that and I don't think I could even use it really. Just to keep utilization down for scoring purposes.

 

Honestly, I can't even think of what my white whale/ unicorn card would be..

 

I have every car that I've ever wanted with the exception of the better balance rewards card, and the choice privileges visa.. And it's not like those are unobtainium lol

 

Its funny how your credit goals change once you have excellent credit. After you have the high limits and the low interest rates, and a couple good cash back card that fit your spending patterns.. What's left?

 

Play time, that's what

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Daaang son! Woohoo! Do you have any other American Express cards?

No. DW does though. I don't post here often, but I read alot. I'll tell you the only reason I had my EX over 700 and knew about the SPG bonus offer and knew to ask for a CLI immediately after receiving the card is becasue of tips I picked up here on CB,

 

Actually, looking back my EX has been frozen for two years, so to start wtih when I applied I had to unfreeze it. THis app i smy only current inquiry on EX.

Niiice job! Well u were rewarded commensurately! My highest lying right now is my NFCU at 30k... I can't wait to pry bar that one and my USAA up to 50 ... for me, I don't think it gets any better as far as limits. Any more than that and I don't think I could even use it really. Just to keep utilization down for scoring purposes.

 

Honestly, I can't even think of what my white whale/ unicorn card would be..

 

I have every car that I've ever wanted with the exception of the better balance rewards card, and the choice privileges visa.. And it's not like those are unobtainium lol

 

Its funny how your credit goals change once you have excellent credit. After you have the high limits and the low interest rates, and a couple good cash back card that fit your spending patterns.. What's left?

 

Play time, that's what

 

no play time for me yet. I need to refinance or look into a HELOC in October, so I'm laying low until that's done. I apped for the SPG business because (again from reading here) that the inquiry would show but the credit line shouldn't show up on my personal credit report.

 

I think if all goes well I'll end up with a $75,000 hidden trade line.

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Screen shot?

 

Do you know tophie?

I don't see it if you tried to post it. :dntknw:

 

sorry - it should be there now. I couldn't believe it myself. Don't know Tophie.

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Nice job there. :good:

 

Sorry to ask for a pic, but that's a rare CLI with Amex.

 

I'm surprised they didn't ask for a 4506t.

I've thought about that too. When I asked for the CLI I did it online through their site and they asked for personal income and business revenue. I hope they don't bug me but I have docs to back up the info i gave them if needed.

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This month:

 

Alliant Platinum Rewards VISA. $20,000. $100 sign up bonus.

Alliant High-Rate Checking. $50 sign up bonus.

Citi ThankYou Premier. $5,400. $600 sign up bonus.

BBVA Compass NBA card. $15,000. $100 sign up bonus.

CLI on Citi ThankYou Premier. Total limit now $21,300.

============================================

3 cards; $56,300 total limits; $850 sign up bonuses.

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Screen shot?

 

Do you know tophie?

 

took me a bit of searching to figure out "do you know tophie?" means BS. You're a real peach.

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yesterday approved for SPG business 30k initial limit. EX 715.

just got the card today. Went online and requested an increase to $75,000. Approved!

Screen shot?

 

Do you know tophie?

took me a bit of searching to figure out "do you know tophie?" means BS. You're a real peach.
It was a valid question.....pretty rare someone comes along out of nowhere and has a 3x CLI to $75k. I was skeptical myself but congrats on the approval.
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Was Alliant instant or did you have to recon a higher limit? Pull EQ?

 

I joined Alliant and opened a Savings account and a small secured $500 installment loan. After 3 weeks they sent an email offering me a credit card, car loan and heloc. After a quick check on Creditpulls database, I replied back to request the credit card and asking if they could match the $30K limit of my American Express card. They pulled EQ, and this was their response:

 

I have been able to get you approved for $20k limit Visa card. The reasons why are you recently have had some new cards opened, and you are still a new member with us. Once you have built some history with us in loans and Visa, I have no doubt I can get the limit up for you

 

$20K was a new 2nd highest credit limit card for me, though my new Citi card has overtaken that. Citi claims $21,300 is the most they can give me based on my income of $61090. Well, hopefully change is inevitable...

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Tophie is why people are skeptical of high limit approvals. I said nice job and you backed up your story.

 

fair enough. pics or it didn't happen. With all humility, my credit has been a mess in the past and the only reason for this approval is because of specifics I've picked up fro this forum. If I hadn't been lurking here, i would have never know to freeze experian, which has saved me from myself many times. I wouldn't have know how to dispute negatives on my reports. And I would have settled for the initial CL of $30,000 when I got the initial approval. How would anyone know to ask for such a high CLI increase upon receipt of the card if they hadn't read it here first? to be honest, I was going to ask for 3x, or $90,000, but I chickened out.

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Was Alliant instant or did you have to recon a higher limit? Pull EQ?

I joined Alliant and opened a Savings account and a small secured $500 installment loan. After 3 weeks they sent an email offering me a credit card, car loan and heloc. After a quick check on Creditpulls database, I replied back to request the credit card and asking if they could match the $30K limit of my American Express card. They pulled EQ, and this was their response:

 

I have been able to get you approved for $20k limit Visa card. The reasons why are you recently have had some new cards opened, and you are still a new member with us. Once you have built some history with us in loans and Visa, I have no doubt I can get the limit up for you

 

$20K was a new 2nd highest credit limit card for me, though my new Citi card has overtaken that. Citi claims $21,300 is the most they can give me based on my income of $61090. Well, hopefully change is inevitable...

Thanks for sharing.....good to know the back story on this. :good:
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Tophie is why people are skeptical of high limit approvals. I said nice job and you backed up your story.

 

fair enough. pics or it didn't happen. With all humility, my credit has been a mess in the past and the only reason for this approval is because of specifics I've picked up fro this forum. If I hadn't been lurking here, i would have never know to freeze experian, which has saved me from myself many times. I wouldn't have know how to dispute negatives on my reports. And I would have settled for the initial CL of $30,000 when I got the initial approval. How would anyone know to ask for such a high CLI increase upon receipt of the card if they hadn't read it here first? to be honest, I was going to ask for 3x, or $90,000, but I chickened out.

 

So when are you going to go for 100k?

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Tophie is why people are skeptical of high limit approvals. I said nice job and you backed up your story.

 

fair enough. pics or it didn't happen. With all humility, my credit has been a mess in the past and the only reason for this approval is because of specifics I've picked up fro this forum. If I hadn't been lurking here, i would have never know to freeze experian, which has saved me from myself many times. I wouldn't have know how to dispute negatives on my reports. And I would have settled for the initial CL of $30,000 when I got the initial approval. How would anyone know to ask for such a high CLI increase upon receipt of the card if they hadn't read it here first? to be honest, I was going to ask for 3x, or $90,000, but I chickened out.

 

So when are you going to go for 100k?

 

^ this

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For 2015:

 

Amex Platinum --> D* 1970

Amex Costco --> 5K --> D* 1970

Penfed Plat Rewards --> 14.5K

Justice FCU Visa --> 23.8K

Chase Sapphire Preferred --> 12K

Chase IHG --> 10K

Amex Biz Plat --> 150K MR points

Amex Biz Gold --> 75K MR points

Citi AAdvantage --> 10.5K

Citi TY Premier --> 6.8K

Citi Prestige --> 10.5K

Barclay Arrival + --> 5K

Walmart MC --> CLI 15K to 25K

American Airlines FCU --> CLI 20K to 25K

 

Every creditor seems to like me except Capital One. I get automatic denials from Cap One. Maybe I froze too many black ops credit bureaus. Or maybe not enough.

 

Now I'm gardening. I think.

 

Chase British Airways Visa 100K Offer --> 12K

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The last post in this topic was posted 3331 days ago. 

 

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