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The Master 2016 Credit Approvals & CLI'S Thread

The last post in this topic was posted 1320 days ago. 

 

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My barclaycard rewards from $4250 --> $6,490 I requested 10K, so it's a HP, but I'll take the 2,240 increase. I haven't really been putting that much spend on it ($16.34 since December. )

 

Was this instant online? If so call them and ask if they can do more. I did the same thing with my Arrival + asked for 15k they gave me 6k and I called in and they gave me 10k. Now I know Barclays loves usage though. I spend about 3k per month on mine.

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Don't assume you can just slam dunk AX Charge cards. Wife was recently declined for Platinum 100K. Gonna recon it.

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Barclay's 7-10 day...may call them this morning.

 

EDIT: Called the backdoor, I'm still denied (without credit pull) due to my two CO'd accounts from 6 years ago.

Edited by whipped

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My barclaycard rewards from $4250 --> $6,490 I requested 10K, so it's a HP, but I'll take the 2,240 increase. I haven't really been putting that much spend on it ($16.34 since December. )

 

Was this instant online? If so call them and ask if they can do more. I did the same thing with my Arrival + asked for 15k they gave me 6k and I called in and they gave me 10k. Now I know Barclays loves usage though. I spend about 3k per month on mine.

 

 

Thanks, but the last time I called them to recon the Arrival, I got the 3rd degree on having so many accounts. I'd rather not have an actual human looking at my report :)

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My barclaycard rewards from $4250 --> $6,490 I requested 10K, so it's a HP, but I'll take the 2,240 increase. I haven't really been putting that much spend on it ($16.34 since December. )

 

Was this instant online? If so call them and ask if they can do more. I did the same thing with my Arrival + asked for 15k they gave me 6k and I called in and they gave me 10k. Now I know Barclays loves usage though. I spend about 3k per month on mine.

 

 

Thanks, but the last time I called them to recon the Arrival, I got the 3rd degree on having so many accounts. I'd rather not have an actual human looking at my report :)

 

 

Lol ya Barclays can be pretty brutal when you call them when it comes to credit. I got the 3rd degree years ago from them about new accounts. Plus they are always wanting me to move credit limit from other cards.

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My barclaycard rewards from $4250 --> $6,490 I requested 10K, so it's a HP, but I'll take the 2,240 increase. I haven't really been putting that much spend on it ($16.34 since December. )

Was this instant online? If so call them and ask if they can do more. I did the same thing with my Arrival + asked for 15k they gave me 6k and I called in and they gave me 10k. Now I know Barclays loves usage though. I spend about 3k per month on mine.

Thanks, but the last time I called them to recon the Arrival, I got the 3rd degree on having so many accounts. I'd rather not have an actual human looking at my report :)

Lol ya Barclays can be pretty brutal when you call them when it comes to credit. I got the 3rd degree years ago from them about new accounts. Plus they are always wanting me to move credit limit from other cards.

They're only brutal about new accounts if you have negatives or show a pattern of irresponsible credit usage. If you frequently make minimum or just above minimum payments also is a factor.

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Nice peeps at Barclay though like others have said. I asked about the BL and he was like we're not sure but things could change...sounded like 7 year or when the record is dropped off is the impression I got but who knows!

Edited by whipped

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Declined for Amex PRG, Was approved for Delta Amex 5k on same day. Decline letter says your EX score was 687. A factor mentioned in the decision was "Your past due payments with Amex" (I had a charged off Amex 10 yrs ago).

 

Now that is interesting. Was the Delta an instant approval? If so I wonder if the manual review on the PRG the person just saw you burned them before and said no where the automated system used a set timeframe.

 

 

The Delta Amex made me call in for address verification ( I had given them a PMB in the app, sorry I'm a noob), then approved immed on the phone. The PRG decline was instant. A letter with the reasons came in mail later.

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Discover: from $5000 to $7500 ($2500 CLI)

AMEX BCP: from $12,000 to $25,000 ($13,000 CLI)

 

Hard to believe less than 2 years ago Discover was at $500 and my AMEX BCP was at $1000..

 

As of today Discover is now at $11,300 - a bump of $3800 from just April 2nd...

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My barclaycard rewards from $4250 --> $6,490 I requested 10K, so it's a HP, but I'll take the 2,240 increase. I haven't really been putting that much spend on it ($16.34 since December. )

 

Was this instant online? If so call them and ask if they can do more. I did the same thing with my Arrival + asked for 15k they gave me 6k and I called in and they gave me 10k. Now I know Barclays loves usage though. I spend about 3k per month on mine.

 

 

Thanks, but the last time I called them to recon the Arrival, I got the 3rd degree on having so many accounts. I'd rather not have an actual human looking at my report :)

 

Same thing when i apped they whining about new accounts but they approve other people with a 610 scores and a BK on file they are funny like that i wont burn any more INQS on them :beee:

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Discover: from $5000 to $7500 ($2500 CLI)

AMEX BCP: from $12,000 to $25,000 ($13,000 CLI)

 

Hard to believe less than 2 years ago Discover was at $500 and my AMEX BCP was at $1000..

 

As of today Discover is now at $11,300 - a bump of $3800 from just April 2nd...

 

 

Pretty nice couple of increases! Congrats!

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CLI

Chase CSP 8k to 20K (opened 11/14)

Barclay 7k to 10K (opened 11/14)

NFCU 5K to 25K (opened 8/15)

 

New Acts

Chase Business 30K (opened 3/16)

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After 22 days of deliberation, Approved Chase Marriott rewards premier = 80K pts/ $3K, $10K CL, card #6 with Chase

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After 22 days of deliberation, Approved Chase Marriott rewards premier = 80K pts/ $3K, $10K CL, card #6 with Chase

You should SM them. The offer is now 100K points. I am seriously considering it.

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Your underwhelming performance of the month year - Freedom Unlimited that was once a Providian then Chamu that was cut to $500 now has a whopping CL of $1000.

 

Discovery treats me better'n this! I'm at 41K with Discover, 40K with Amex, multiple others in the 20K range.

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I was approved yesterday, I can't figure out how to add it into the pull. The link provided did not work for me

Transunion 712

 

Walmart $1400

Barclay NFL - $3500

 

I was able to get a CLI on Barclay NFL extra points from $3500 to $9k. I love me some Barclay.

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After 22 days of deliberation, Approved Chase Marriott rewards premier = 80K pts/ $3K, $10K CL, card #6 with Chase

 

Congrats!

 

I have 4 Chase cards (not including business) Now you have me thinking of getting the Southwest card and getting those 50K pts since they just started direct flights from DCA to FLL.

 

I was approved yesterday, I can't figure out how to add it into the pull. The link provided did not work for me

Transunion 712

 

Walmart $1400

Barclay NFL - $3500

 

I was able to get a CLI on Barclay NFL extra points from $3500 to $9k. I love me some Barclay.

 

 

Wow! That's some fancy footwork! Great job!

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Ink Plus.

Not sure what the limit is yet, too chicken to call.

 

 

 

 

Thanks for the suggestion ,Mendel ! :wave:

:yahoo:

 

 

It was in the mailbox today, 10k limit!!

Thanks :D

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Ink Plus.

Not sure what the limit is yet, too chicken to call.

 

 

 

 

Thanks for the suggestion ,Mendel ! :wave:

:yahoo:

It was in the mailbox today, 10k limit!!

Thanks :D

I'd like to close out my AARP opened 12/15 and my Disney opened ~8/15 and combine limits to the Ink... If this is possible ...

Edited by parisamour

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Ink Plus.

Not sure what the limit is yet, too chicken to call.

 

 

 

 

Thanks for the suggestion ,Mendel ! :wave:

:yahoo:
It was in the mailbox today, 10k limit!!

Thanks :D

I'd like to close out my AARP opened 12/15 and my Disney opened ~8/15 and combine limits to the Ink... If this is possible ...
Sorry not possible to take personal CL and move to Business. I've tried....lol

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Ink Plus.

Not sure what the limit is yet, too chicken to call.

 

 

 

 

Thanks for the suggestion ,Mendel ! :wave:

:yahoo:
It was in the mailbox today, 10k limit!!

Thanks :D

I'd like to close out my AARP opened 12/15 and my Disney opened ~8/15 and combine limits to the Ink... If this is possible ...
Sorry not possible to take personal CL and move to Business. I've tried....lol

Grrr

I had read that personal to buisness was possible but not vice versa. Damn MFer's :rofl:

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Chase Pending (Have not called yet)

Citi HHonors 10k (Called in EQ was frozen)

CapOne Venture 20k Instant

Discover 7.5k Instant

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$700 CLI on Banana Republic visa. Tried via love button 2 weeks ago and the msg said not available for this acct. Today, I got an email regarding the increase. Brings me to $8k, not my best limit, but not bad considering it began as a $500 store card a few years ago.

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Chase Pending (Have not called yet)

Citi HHonors 10k (Called in EQ was frozen)

CapOne Venture 20k Instant

Discover 7.5k Instant

nice! see PotO's recent chase post about NOT calling...

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