Jump to content

Discover luv button fixed: Your credit line has been increased.


Recommended Posts

 

 

Day 91, another +$500 to $30,700. The days of $4000 increases seem to have gone away for me? Scores the same, AAOA increases, uti decreases...maybe i'm closed to maxed out with them with my income and available credit that i have.

 

Is the CL now close to your reported income?

 

I don't know if we've seen people go backward from four figure to three figure CLIs, have we?

 

How are your other limits in comparison.

 

And regardless, congrats on the SP CLI!

 

Income is near $110,000....reported CL's almost $400k.

4 tradelines in the low $30k range, 5 in the $20-25k range, many in the $15k-19k range, etc....Only 2 store cards.

 

I really think im getting maxed out with my income vs total available credit. 4:1 ratio

 

We'll find out what BOA thinks in a few weeks...I have them at $30k.

 

 

That could be a factor. Your income compared to just Discover alone isn't the issue. Hopefully they'll come around. Good luck continuing to hit the button.

Hit the button and another $3,000 CLI.

 

This put me over $30k. Required no proof of income or anything, but I was ready. Pretty excited about this one.

 

Congrats!

 

Shouldn't see POI request until 50k.

Link to post
Share on other sites

  • Replies 6.9k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

It has been a while, so I requested a CLI. They asked for proof of income via fax or mail. I chose mail. They bumped it up to $63,500. This card started out with a $2,000 CL. It took 13.5 years of sem

$500 to $29800.  First CLI appr on this card in 13 mo.  (Last CLI $5k; card has had very limited use in the last year)   Interestingly, the CLI request form didn't request "Available Assets"

👍 Tire scrub: the enemy of your enemy is your friend. 

They still don't like me anymore. DW got $4k after a two day message.

 

Me

03/31/2015 - $1k

05/11/2015 - $3k

05/27/2015 - $3k

06/12/2015 - $3k

09/11/2015 - $500

12/11/2015 - $1.5k

02/11/2016 - $5k

04/29/2016 - $5k

07/29/2016 - $2k -> $30.6k

 

 

 

 

DW

04/08/2015 - $1k

05/11/2015 - $1k

05/27/2015 - $1k

06/12/2015 - $1k

09/11/2015 - $1.5k

11/11/2015 - $1.5k

12/11/2015 - $1.5k

03/14/2016 - $1k

04/29/2016 - $3k

06/24/2016 - $1k

07/25/2016 - $5k

09/14/2016 - $1.5k

10/25/2016 - $1.5k

12/20/2016 - $4k -> $38k

Link to post
Share on other sites

I haven't posted in while will add some data points. Last year started with a ~4k limit worked it up $500 at a time. Then around this summer started getting 3k-5k increases. I'm now at 33k Limit with a stated income of 30k, no income verification needed. i have roughly ~100k in total credit.

 

Should I keep trying with that low income or stop pressing my luck?

Edited by brandon727
Link to post
Share on other sites

Mmmm k. Got one for me. Yay.

Me
03/31/2015 - $1k
05/11/2015 - $3k
05/27/2015 - $3k
06/12/2015 - $3k
09/11/2015 - $500
12/11/2015 - $1.5k
02/11/2016 - $5k
04/29/2016 - $5k
07/29/2016 - $2k

12/23/2016 - $1k -> $31.6k

DW
04/08/2015 - $1k
05/11/2015 - $1k
05/27/2015 - $1k
06/12/2015 - $1k
09/11/2015 - $1.5k
11/11/2015 - $1.5k
12/11/2015 - $1.5k
03/14/2016 - $1k
04/29/2016 - $3k
06/24/2016 - $1k
07/25/2016 - $5k
09/14/2016 - $1.5k
10/25/2016 - $1.5k
12/20/2016 - $4k -> $38k

Link to post
Share on other sites

Mmmm k. Got one for me. Yay.

 

Me

03/31/2015 - $1k

05/11/2015 - $3k

05/27/2015 - $3k

06/12/2015 - $3k

09/11/2015 - $500

12/11/2015 - $1.5k

02/11/2016 - $5k

04/29/2016 - $5k

07/29/2016 - $2k

12/23/2016 - $1k -> $31.6k

 

DW

04/08/2015 - $1k

05/11/2015 - $1k

05/27/2015 - $1k

06/12/2015 - $1k

09/11/2015 - $1.5k

11/11/2015 - $1.5k

12/11/2015 - $1.5k

03/14/2016 - $1k

04/29/2016 - $3k

06/24/2016 - $1k

07/25/2016 - $5k

09/14/2016 - $1.5k

10/25/2016 - $1.5k

12/20/2016 - $4k -> $38k

 

Yay!!!

Link to post
Share on other sites

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

Link to post
Share on other sites

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

 

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

 

 

 

 

 

 

 

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

Link to post
Share on other sites

 

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

 

 

 

 

 

 

 

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

 

 

I've been following your journey for a while. That's an awesome tradeline! I'll try again when they do the next soft pull towards the end of next month. I should probably jump up to around 750 on TU so that might help me a bit. I've been reading that every 60 days or so gets better results on discover (while keeping transactions low and PIF), but I'm going to try in another 30 days.

Link to post
Share on other sites

Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

Link to post
Share on other sites

 

Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

 

 

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

Edited by JDK83
Link to post
Share on other sites

 

 

Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

 

 

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

 

 

Yeah. I'm not sure it correlates as well. It's just that for me (it's not difficult because my limit is low), I've been running up to the limit and paying in full. It hasn't worked for me. I went to about 50% of my limit and paid in full and finally got a CLI and it wasn't just the $500. I'm probably confusing correlation with causation (my credit score has risen.. well it actually a dipped a bit since the last time they soft pulled) but it's worth a shot I guess.

 

I did read something here (or maybe it was MF... I've read this entire 234 page thread twice though :)) that several people noticed some action when they had low usage.

 

Probably makes no difference but it's worth a try to do something different.

Edited by backto750
Link to post
Share on other sites

 

 

 

Keeping transactions low and PIF makes no difference. You should go back and read some more.

 

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

Yeah. I'm not sure it correlates as well. It's just that for me (it's not difficult because my limit is low), I've been running up to the limit and paying in full. It hasn't worked for me. I went to about 50% of my limit and paid in full and finally got a CLI and it wasn't just the $500. I'm probably confusing correlation with causation (my credit score has risen.. well it actually a dipped a bit since the last time they soft pulled) but it's worth a shot I guess.

 

I did read something here (or maybe it was MF... I've read this entire 234 page thread twice though :)) that several people noticed some action when they had low usage.

 

Probably makes no difference but it's worth a try to do something different.

Once I started mashing the button every couple of weeks, and then daily, mine took off. My largest bump of nearly 20k came with the card sitting dormant. I've never put more than a few hundred in useage through this card in any given month (all Amazon purchases).

 

IMO, I think overall balances reporting has a much larger impact.

Link to post
Share on other sites

 

 

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

 

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

I've been following your journey for a while. That's an awesome tradeline! I'll try again when they do the next soft pull towards the end of next month. I should probably jump up to around 750 on TU so that might help me a bit. I've been reading that every 60 days or so gets better results on discover (while keeping transactions low and PIF), but I'm going to try in another 30 days.

Thanks! I'm honestly still shocked by how much this account has grown in the last 14 months or so. Discover has definitely changed their ways with the increases and this thread helped immensely.

 

Keep the reported balances as low as possible on the other cards and that should help.

 

Fwiw, I think my fastest color own between CLIs was 17 days. Every 31 isn't too aggressive in that regard.

Link to post
Share on other sites

 

 

 

 

Keeping transactions low and PIF makes no difference. You should go back and read some more.

I've read all of it related to Discover. A few members said they began getting larger CLI when they used very little of their available credit and paid in full. Could be anecdotal, though. I'm going to try that and not use Discover as my daily driver and see what happens. A positive result could be confusing correlation with causation as my credit score should jump significantly over the next month.

I'm at 51.5K. I started getting my largest CLIs (6K) hen I was putting very heavy usage on the card and PIFing. My last 6K CLI came after very little usage. Based on my experience, I'm not sure it makes a difference.

 

I will add one data point. My last CLI, after low usage, took a few days, as opposed to a few hours, with heavy usage.

Yeah. I'm not sure it correlates as well. It's just that for me (it's not difficult because my limit is low), I've been running up to the limit and paying in full. It hasn't worked for me. I went to about 50% of my limit and paid in full and finally got a CLI and it wasn't just the $500. I'm probably confusing correlation with causation (my credit score has risen.. well it actually a dipped a bit since the last time they soft pulled) but it's worth a shot I guess.

 

I did read something here (or maybe it was MF... I've read this entire 234 page thread twice though :)) that several people noticed some action when they had low usage.

 

Probably makes no difference but it's worth a try to do something different.

Once I started mashing the button every couple of weeks, and then daily, mine took off. My largest bump of nearly 20k came with the card sitting dormant. I've never put more than a few hundred in useage through this card in any given month (all Amazon purchases).

 

IMO, I think overall balances reporting has a much larger impact.

 

 

OMG.. Daily! Don't tempt me!

Link to post
Share on other sites

 

 

 

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

I've been following your journey for a while. That's an awesome tradeline! I'll try again when they do the next soft pull towards the end of next month. I should probably jump up to around 750 on TU so that might help me a bit. I've been reading that every 60 days or so gets better results on discover (while keeping transactions low and PIF), but I'm going to try in another 30 days.

Thanks! I'm honestly still shocked by how much this account has grown in the last 14 months or so. Discover has definitely changed their ways with the increases and this thread helped immensely.

 

Keep the reported balances as low as possible on the other cards and that should help.

 

Fwiw, I think my fastest color own between CLIs was 17 days. Every 31 isn't too aggressive in that regard.

 

 

 

I just paid my balances down to only have 1 percent on one of my cards. Gonna take a bit to report though. I have my last baddie (30 day late) calling off EX in February and I just did the Alliant hack so hopefully I get a big Fico jump soon.

Link to post
Share on other sites

 

 

 

 

I hit the luv button yesterday. Just logged in today with a +$1500 increase. I went from $2500 to $4000. It's small but that's a bit increase for me. I've only gotten two $500 increases over the last 2 years. I got the two day message last night so maybe like 20 hours later I got the increase. My last increase was maybe 6 months ago. I've tried several times since this (typically once a month once my Fico score has been updated). I'll try again next month when my utilization will drop by 60% to 15%.

 

Btw. I've been PIF my balance every month(pretty much running up to the limit). As reading its better to have a lower usage rate, I'm just going to put 20 bucks on the card this month and PIF and see how that goes.

 

Nice increase!! Hopefully you'll stay in the four figure increase club moving forward!

It's now been two months since they bumped me to $49.5k and I stopped hitting the button. I had originally thought about waiting for 90 days but I may see if they want a POI moving into 2017...

I've been following your journey for a while. That's an awesome tradeline! I'll try again when they do the next soft pull towards the end of next month. I should probably jump up to around 750 on TU so that might help me a bit. I've been reading that every 60 days or so gets better results on discover (while keeping transactions low and PIF), but I'm going to try in another 30 days.

Thanks! I'm honestly still shocked by how much this account has grown in the last 14 months or so. Discover has definitely changed their ways with the increases and this thread helped immensely.

Keep the reported balances as low as possible on the other cards and that should help.

Fwiw, I think my fastest color own between CLIs was 17 days. Every 31 isn't too aggressive in that regard.

 

I just paid my balances down to only have 1 percent on one of my cards. Gonna take a bit to report though. I have my last baddie (30 day late) calling off EX in February and I just did the Alliant hack so hopefully I get a big Fico jump soon.

2017 should be very positive once the reports are clean. :)

 

 

Yes, daily. You've read through the thread so you witnessed the point of my mind being changed from the influences here. If I learned anything, waiting 90days just meant I missed out on two other CLIs.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By MarvBear
      A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.
       
      I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We deeply appreciate your participation.
       
      Amazon (store card): see Synchrony (GE)
      AMEX:                      (Oasis Program)
      AMEX: 866-314-0237 (new app status)
      AMEX: 800-582-6471 (recon with frozen EX for pin)
      AMEX Business charge cards - (877) 399-3083
      AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)

      Barclays: 888-232-0780 (Customer Care)
      Barclays: 866-408-4064 (Credit Analyst)
      BBVA Compass Bank: (American Express Card issues only) 866-246-2924
      Best Buy: 877-420-0001
      Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)
      BofA: 888-260-4696 (secured accts.)
      BofA: 800-824-5895 (secured & partially secured accts.)
      BofA: 704-386-5687 (Office of the CEO)
      BofA: 888-500-6270 (Credit Dept. Fax)
      BofA Business: 877-665-5023 (Analyst/UW)
      BofA Business: 877-665-5023 (New applications)
      BofA Business: 800-442-1043

      Cap1: 800-625-7866 (Account Specialist)
      Cap1: 800-951-6951 (cust. relations)
      Cap1: 800-548-4593 (application department; status)
      Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
      Cap1: 877-513-9959 (Account Retention?)
      Cap1: 800-258-9319 (Debt Recovery)
      Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
      Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)

      Chase: 800-432-3117 (App status)
      Chase Executive Office  800-242-7399
      Chase Personal CC Recon 888-270-2127
      Chase Business CC Recon 800-453-9719
      Chase: 800-453-9719 (Business card lending)
      Chase Lending - 888-609-7805 (Credit Analysts)
      Chase: 800-242-7399
      Chase: 800-955-9900 (Product change status questions)
      Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
      Chevron/Texaco Biz Card App Status: 888-243-8358
      Citi: 800-645-7240, 800-288-4653 (Citi Business)
      Citi: 800-750-7453 (Business)
      Citi 888-201-4523 (Personal)
      Citi: 718-248-0847 (EO)
      Citi: 800-695-5171 (New Accounts UW)
      Citi: 605-331-1698 (EO - CC division)
      Citi Credit Bureau Dispute Fax: 866-713-5028
      Comenity: 800-303-1368 (Consumer Relations - Recon)

      Discover: 888-676-3695 (New Accounts)
      Discover: 866-305-7691 (Direct Line TO CS)
      Discover: 866-222-0536 (EO)

      Elan: 800-364-9648 (CC underwriting, business and personal)
      Equifax: 800-846-5279 (Direct to Rep)
      Equifax Executive Office 404-885-8000
      Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
      ExxonMobil Biz Card: 800-903-9966

      FIA: See Elan
      FNBO: 800-444-6220

      GEMB: 877-294-7541 (escalated help desk)

      Haverty's/Sync: 800-333-1082
      Home Depot Store Card: 800-677-0232 (Credit Analyst)
      Home Depot Store Card: 423 467 6957 (App Status/Recon)
      Home Depot MC (Commercial): 800-720-0649
      Home Depot: 800-685-6691 (Commercial)
      Hooters: 801-545-6705, 800-850-4668
      HSBC: 866-574-4421 (App Status)
      HSBC: 866-719-3897 (Credit Analyst)

      JC Penney: 800-542-0800
      Juniper: 866-408-4064 (Credit Analyst)
      Juniper/Barclays: 866-750-6031 (Corp. Offices)

      Key Bank: 888-201-4523 (App status)
      Key Bank: 800-254-2737
      Key Bank MC: 800-288-4653
      Key Bank Credit Research Fax: 216-357-6400

      Lowes: see Synchrony (GE)

      Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
      Macy's: 800-543-9617 (Recovery Services)
      Marvel: see Synchrony (GE)
      Meijers MC: 801-517-5560

      National City: 800-762-0974 (Credit Dept.)
      Nationwide Visa: 866-757-2720 (App. status)
      Nordstrom: 800-964-1800 (CLI)

      Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)

      Philips 66: 866-289-5630, 800-610-1961
      PNC Bank: 800-762-2117 (Business CC)
      PNC Bank: 877-562-0150 (Business UW)

      Sam's Club: 800-301-5546 (Underwriting)
      Sears: 800-599-9710 (App status)
      Shell Fleet Card: 800-223-3296 (App status)
      Shell: 800-223-3296, 866-438-7435
      Shell: 800-377-5150
      Staples: 800-767-1291, 800-282-5316
      Sunoco Corp. Card: 800-935-3387, 800-278-6626
      Sunoco: 800-310-4773
      Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
      Synchrony (GE): 800-588-4290 (Consumer)
      Synchrony (GE): 877-379-8175 (Sr UW)
      Synchrony (GE): 888-885-6937 (Verification)
      Synchrony (GE): 800-333-1082 (Haverty's)
      Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)

      Target Biz Card: 800-440-5317
      Tiffany: 800-770-0800
      Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
      Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)

      USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
      US Bank: 800-685-7680 (Underwriting)
      US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

      Valero: 877-882-5376

      Walmart (Sync): 877-379-8175 (Sr UW)
      Walmart (Sync): 877-969-5302 (Verification)
      Wells Fargo: 866-677-1128 (CC Executive Office)
      Wells Fargo: 844-576-6424 (Executive Office)
      Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
      Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
      Wright Express: 888-743-3893   
       
    • By Genie
      Hello, I'm looking for the best card to pay for a $4k purchase. I've got the money but I'd like to use a card that will get me the most value back like in cash back or sign up bonus for spending a large amount. This is an orthodontist purchase but I want to get the most bang for my money.
       
      I have: AmEx everyday preferred, Capital One secure, CreditOne platinum.
      My relative has Discover it.
       
      I hope y'all can help with this!
       
       
    • By StarkRaven$
      Before joining CB's I had no knowledge or appreciation of credit card rewards. When I was rebuilding my credit I noticed under the "advanced tab" posts discussing rewards but at the time I assumed I would never have a use for that. In other words, I simply didn't understand it. Fast forward to today, For Christmas I bought my grandson a limited edition LA Rams Eric Dickerson tee shirt and covered the entire cost through rewards simply by paying my utility bills and using my US Bank cc. 
       
      Seriously! If someone was to tell me I could do that four years ago, I would just tune out and dismiss it in my mind. So thank you very much for all the invaluable education here on Creditboards. You all are amazing!
    • By Jeff15
      I got some help previously about opening new accounts, but I was curious more about the impact and possible ramifications. I only have 1 credit card in my name, and it only reports on Experian and TransUnion. The rest are AU cards. I have 8 accounts on Experian and TransUnion and AAoA of about 21 years. My Equifax report is a bit thinner. I pulled CCT, and I'm at 777 EX, 782 TU, and 789 EQ. I have been thinking about about a PenFed credit card and an AMEX revolver. I also may be cosigning a small student loan. I'm not certain on this yet, but it's a possibility. I know that this will cause a score hit of some sort (drop in AA), but I'm not sure how severe. I was thinking about forgoing PenFed and just doing AMEX, but I can't make up my mind. Can anyone give me some insight? I would like to avoid permanently damaging my report in some way. I don't know if 2 cards in such a short time is too much. I appreciate any help.
    • By StarkRaven$
      My Amex Everyday Card Preferred sign up bonus pts were added to my card yesterday. The sign up bonus for at least $1K spend within three months is 15K additional points. It's on their website and I confirmed it with Amex over the phone. In the fine print bonus pts will not increase or apply to 50% more pts if you make 30 or more purchases within a statement period. They added 25K pts instead! I'll gladly take the extra 10K pts. Just hope they don't correct later.  Has that ever happened to anyone before?
       
      DESCRIPTIO     AEDP $2k Spd/25k MR Pts These points have been added because of an offer or qualifying purchases made.




  • Member Statistics

    • Total Members
      182,438
    • Most Online
      2,046

    Newest Member
    DLWrigh18
    Joined
×
×
  • Create New...

Important Information

Guidelines