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Master 2018 Approvals and CLIs Thread

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DW.

 

Chase Freedom Unlimited Approved $24,100. First new card in 26 months. 1/24. Her highest non-AU limit is Discover at $25,300.

 

Applied for Amex BCP directly after... Went into review. I'll report back with info.

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DW.

 

Chase Freedom Unlimited Approved $24,100. First new card in 26 months. 1/24. Her highest non-AU limit is Discover at $25,300.

 

Applied for Amex BCP directly after... Went into review. I'll report back with info.

Congrats Eric. Nice CL too.

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For my mother who's credit I've been working on, brought up FICO 70 points in the last few months.

Chase Marriott 6.2k

Just 2 months ago CSR 10k

Unsure if I should app another card now.

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DW.

 

Chase Freedom Unlimited Approved $24,100. First new card in 26 months. 1/24. Her highest non-AU limit is Discover at $25,300.

 

Applied for Amex BCP directly after... Went into review. I'll report back with info.

Congratulations Eric

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DW.

 

Chase Freedom Unlimited Approved $24,100. First new card in 26 months. 1/24. Her highest non-AU limit is Discover at $25,300.

 

Applied for Amex BCP directly after... Went into review. I'll report back with info.

American Express BCP Approved $20K.

 

Had to call in and give simple ID answers.

Edited by EricDET

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Navy Federal 24k cli to 34k . had card for 17 months. Asked for 35k. I do not believe i got a hard pull like I did when i got rejected 6 months ago.

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Navy Federal 24k cli to 34k . had card for 17 months. Asked for 35k. I do not believe i got a hard pull like I did when i got rejected 6 months ago.

Do you use it a lot?

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not at all. max spend was 2500-3000 in april 17 when i bought a tv at costco, and they were giving 3 pct back. I mostly use iit at bjs/ costco never over 1000 a month, usually 300-500.

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PayPal 2% cash back 5k > 7.5k. I should have asked for more but I'm fine with whatever I get.

 

Sent from my Pixel 2 XL using Tapatalk

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Total Rewards Visa CLI It's been 120 days since last increase just hit the luv button didn't check the box $6500>9K +2500

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Total Rewards Visa CLI It's been 120 days since last increase just hit the luv button didn't check the box $6500>9K +2500

Nice!

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Total Rewards Visa CLI It's been 120 days since last increase just hit the luv button didn't check the box $6500>9K +2500

 

Congrats! :)

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​BJ's MasterCard $7500 to $9000

Total Rewards Visa $6750 to $9250

 

No go on the Williams Sonoma Visa. Will try again next month. Comenity seems to only like to give me CLI once every 6 months on my cards.

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​BJ's MasterCard $7500 to $9000

Total Rewards Visa $6750 to $9250

 

No go on the Williams Sonoma Visa. Will try again next month. Comenity seems to only like to give me CLI once every 6 months on my cards.

Nice

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I have a Citi MC (American Airlines Gold) card that's getting ready to cut its sixth statement tonight. However, it's another couple of weeks before the account has been open for six months. Does Citi's six-month requirement for a CLI refer to the number of statements or being open for six months? This was also the first time that my payment (I usually pay it off) wasn't held for 7-10 days before it was available - it was available right away.

 

Thanks!

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I have a Citi MC (American Airlines Gold) card that's getting ready to cut its sixth statement tonight. However, it's another couple of weeks before the account has been open for six months. Does Citi's six-month requirement for a CLI refer to the number of statements or being open for six months? This was also the first time that my payment (I usually pay it off) wasn't held for 7-10 days before it was available - it was available right away.

 

Thanks!

Good question wing, curious as well. Have 6 cards (2 Chase, 1 AMEX, 1 Barclays, 1 Synchrony) that are about to reach 6m reporting. Question is: how do the CC company measures CLI readiness - as 6 statement payments all PIF (behavioral), or actual days/months (time, actual AoA)? Instinct suggests that each CC company has its own rules, but my bet is that they all behave similarly. Except for AMEX (15K->25K CLI granted), all have been stingy, despite 800s across all 3 CRAs with 100% payments on time, 20 Y oldest account, 0 lates or derogs and consistently <5% utilization on 200K TL (do have 2-5 inquiries last 1Y). Look forward to getting insights straight from our experts.

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Discover It Miles, two separate accounts for the folks, $5k and $1k. Lame credit limits, will call in once cards arrive to see if they will boost it up. Was looking forward to float more on the 0% APR for 14 months on a home improvement project. They are already Discover cardholders with larger limits. My guess is that they don't want pay out more than needed on that first-year 3% cash back.

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Combined Cap 1 QS ($3300 CL) and QS1 ($750) CL for a brand new Quicksilver at $4050. Credit steps increase next month. Highest CL by a lot.

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I have a Citi MC (American Airlines Gold) card that's getting ready to cut its sixth statement tonight. However, it's another couple of weeks before the account has been open for six months. Does Citi's six-month requirement for a CLI refer to the number of statements or being open for six months? This was also the first time that my payment (I usually pay it off) wasn't held for 7-10 days before it was available - it was available right away.

 

Thanks!

Good question wing, curious as well. Have 6 cards (2 Chase, 1 AMEX, 1 Barclays, 1 Synchrony) that are about to reach 6m reporting. Question is: how do the CC company measures CLI readiness - as 6 statement payments all PIF (behavioral), or actual days/months (time, actual AoA)? Instinct suggests that each CC company has its own rules, but my bet is that they all behave similarly. Except for AMEX (15K->25K CLI granted), all have been stingy, despite 800s across all 3 CRAs with 100% payments on time, 20 Y oldest account, 0 lates or derogs and consistently <5% utilization on 200K TL (do have 2-5 inquiries last 1Y). Look forward to getting insights straight from our experts.

 

 

For science, I submitted a CLI request with a zero balance after the six statement cut. I just got the "it's too soon" message and will try again at six months + 1 day.

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I have a Citi MC (American Airlines Gold) card that's getting ready to cut its sixth statement tonight. However, it's another couple of weeks before the account has been open for six months. Does Citi's six-month requirement for a CLI refer to the number of statements or being open for six months? This was also the first time that my payment (I usually pay it off) wasn't held for 7-10 days before it was available - it was available right away.

 

Thanks!

Good question wing, curious as well. Have 6 cards (2 Chase, 1 AMEX, 1 Barclays, 1 Synchrony) that are about to reach 6m reporting. Question is: how do the CC company measures CLI readiness - as 6 statement payments all PIF (behavioral), or actual days/months (time, actual AoA)? Instinct suggests that each CC company has its own rules, but my bet is that they all behave similarly. Except for AMEX (15K->25K CLI granted), all have been stingy, despite 800s across all 3 CRAs with 100% payments on time, 20 Y oldest account, 0 lates or derogs and consistently <5% utilization on 200K TL (do have 2-5 inquiries last 1Y). Look forward to getting insights straight from our experts.

 

 

For science, I submitted a CLI request with a zero balance after the six statement cut. I just got the "it's too soon" message and will try again at six months + 1 day.

 

Thanks wing. By 30 April, 8 new accounts will age > 6 months (6 statements cut), and 2 inqs drop; will report both FICO impact, and CLI requests to Barclays and Sync then. Understand that inqs don't matter much but aging does; will test that for my situation; goal is > 830 FICO x3 and > 300K TL by 12/31

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