The Master 2015 Credit Approvals Thread

[cloknem]

 

CLI Walmart MC $400 -> $2500 TU pull

What was the time length and usage?

I have $400 limit as of 2 days ago

 

I got the card in Nov. '14 and immediately called to get CLI, denied was told to use it. I SD the card then add my 15 y/o daughter as an AU for her annual Christmas shopping trip. She ran it up to 80% and I PIF after statement cut to show the entire balance. I've only had one statement. Funny thing, my daughter has gotten 2 invitations to apply for the Chase Southwest card since adding her to the Wally card.

[ElGringo]

 

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!

 

 

And to add the final detail - they pulled TU, I had a 764.

[HouseBound0829]

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!

[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

 

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

Edited January 8, 2015 by BW1216

[Losluv]

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:

 

Pending:

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

Did you app online for the Home Depot? I think it's higher when you app in store. I got a low limit too online,then hit the luv button about a month later and they bumped me 5K. You could probably call them for a CLI now.

[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

 

CLIs:

 

Pending:

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

Did you app online for the Home Depot? I think it's higher when you app in store. I got a low limit too online,then hit the luv button about a month later and they bumped me 5K. You could probably call them for a CLI now.

 

 

In store actually... I was quite surprised actually considering the rest of my profile. Citi is stingy with me though!

[shifter]

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

sounds more like an error message.

[BW1216]

 

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

sounds more like an error message.

 

 

Yeah, I should probably call them.

[Losluv]

 

 

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:

 

Pending:

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

 

Did you app online for the Home Depot? I think it's higher when you app in store. I got a low limit too online,then hit the luv button about a month later and they bumped me 5K. You could probably call them for a CLI now.

In store actually... I was quite surprised actually considering the rest of my profile. Citi is stingy with me though!

Whoa! Not nice. Hit that luv button in a month - they should bump you up.

[IndyPoolPlayer]

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.

[ElGringo]

I'm thinking of trying my luck today and see if I'm off Citi's BL. What's the easiest Citi card to get approved for?

[Matti]

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.

[mendelssohn]

 

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.

[Cappy]

 

 

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.

 

 

YUP..

 

BOA Pulls In Following Order.

 

1. EX

2. TU

3. EQ

[IndyPoolPlayer]

 

 

 

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.

 

 

YUP..

 

BOA Pulls In Following Order.

 

1. EX

2. TU

3. EQ

 

My TU is still open, we'll see if BOA automatically pulls TU when EX is frozen. I didn't get a phone number to call - I guess I could call the normal CSRs since I already have a BOA already residing in the sockdrawer.

[mendelssohn]

 

 

 

 

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.

 

 

YUP..

 

BOA Pulls In Following Order.

 

1. EX

2. TU

3. EQ

 

My TU is still open, we'll see if BOA automatically pulls TU when EX is frozen. I didn't get a phone number to call - I guess I could call the normal CSRs since I already have a BOA already residing in the sockdrawer.

 

 

Look in the backdoor number thread.

 

Don't wait for them to pick. Just ask them to pull TU and they will.

 

EDIT: Here's the number: 888-503-6092

Edited January 8, 2015 by mendelssohn

[NewbietoFinance]

RBFCU Rewards MC CLI

 

 

20k -> 25k

[shifter]

I guess I could call the normal CSRs

No way.

 

Call the UW now and tell them to pull TU.

[IndyPoolPlayer]

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.

[JayB27]

Use another pull.

[RussInGotham]

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.

 

Nice!

 

Which BOA card did you just get approved for?

[IndyPoolPlayer]

Use another pull.

Two in one day? Logic being once I start B* again all three of today's pulls will fall off at the same time?

 

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.

 

Nice!

 

Which BOA card did you just get approved for?

 

Cash rewards affinity card for an organization I belong to

[JayB27]

They are basically soft pulls.

[JayB27]

I got two BOA cards in one day, one pull.

 

Now that I think about it.

 

They said they pulled twice. TU disagreed.

 

It's worth the risk, and if you get a second it lasts one day longer, at most.

[IndyPoolPlayer]

They are basically soft pulls.

 

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