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Master 2018 Approvals and CLIs Thread


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Amex isn't too picky when ti comes to CLI's usually. Behavior for myself is to just put a couple of bills on it for recurring usage and then autopay the statement balance. No need to get more complicated than that. I got mine starting out at 10K and then at 60 days went to 30K and 6 months later went for 50K and got the 4506-T and submitted it and within 2 weeks was approved. When you want more than 50K they'll call you about it and inquire why you need/want to go above 50K in addition to the 4506-T request. If your spend and/or income don't meet what they're looking for then they'll either bump it insignificantly like mine by $700 or deny the request.

 

Most of my cards have grown using this method of just making sure there's activity each month and autopay the statement balance.

 

Discover started at $4500 and over 18 months jumped to the final tally of 50K as well.

 

BOA which is still under a year started at 10K jumped to 18.8K and most recently to 31.1K with minimal usage.

 

Of course there's the standard YMMV on any approach to growing with a particular lender and what they're looking for. For instance Chase can be a bit finicky when it comes to a CLI or even a starting CL. I picked up Aamazon for 10K and Freedom Unlimited for 25.9K. A few months into it went for a CLI on Freedom Unlimited and got 5K out of them but, less than 30 days later apped for the CSP and got another 25.9K matching the Freedom Unlimited limit. US Bank though has to be one of the oddest experiences when it came to apping and getting the final limit. I went for 2 cards with them and it was an instant 7-10 message and upon calling was a denial for 6 inquiries, resubmitted for review and approved for $500/ea and then called again to boost them to 25K/ea which was countered at 10K/ea which is fine considering they were only going to be used for the $150/ea SUB and eventually just combine them into a 20K card. Citi is a bit odd as well with an approval for 11K and immediate CLI request when registered online for another 5K with another HP....why not just give the full CL upon approval instead of being a PITA about it?

 

Anyway.... with time and activity just about anything will grow with any lender unless they put you in the crap bucket to begin with that limits your growth down the road.

Is 50k the max on Discover?
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Amex isn't too picky when ti comes to CLI's usually. Behavior for myself is to just put a couple of bills on it for recurring usage and then autopay the statement balance. No need to get more complicated than that. I got mine starting out at 10K and then at 60 days went to 30K and 6 months later went for 50K and got the 4506-T and submitted it and within 2 weeks was approved. When you want more than 50K they'll call you about it and inquire why you need/want to go above 50K in addition to the 4506-T request. If your spend and/or income don't meet what they're looking for then they'll either bump it insignificantly like mine by $700 or deny the request.

 

Most of my cards have grown using this method of just making sure there's activity each month and autopay the statement balance.

 

Discover started at $4500 and over 18 months jumped to the final tally of 50K as well.

 

BOA which is still under a year started at 10K jumped to 18.8K and most recently to 31.1K with minimal usage.

 

Of course there's the standard YMMV on any approach to growing with a particular lender and what they're looking for. For instance Chase can be a bit finicky when it comes to a CLI or even a starting CL. I picked up Aamazon for 10K and Freedom Unlimited for 25.9K. A few months into it went for a CLI on Freedom Unlimited and got 5K out of them but, less than 30 days later apped for the CSP and got another 25.9K matching the Freedom Unlimited limit. US Bank though has to be one of the oddest experiences when it came to apping and getting the final limit. I went for 2 cards with them and it was an instant 7-10 message and upon calling was a denial for 6 inquiries, resubmitted for review and approved for $500/ea and then called again to boost them to 25K/ea which was countered at 10K/ea which is fine considering they were only going to be used for the $150/ea SUB and eventually just combine them into a 20K card. Citi is a bit odd as well with an approval for 11K and immediate CLI request when registered online for another 5K with another HP....why not just give the full CL upon approval instead of being a PITA about it?

 

Anyway.... with time and activity just about anything will grow with any lender unless they put you in the crap bucket to begin with that limits your growth down the road.

 

Is 50k the max on Discover?

 

No.

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Amex isn't too picky when ti comes to CLI's usually. Behavior for myself is to just put a couple of bills on it for recurring usage and then autopay the statement balance. No need to get more complicated than that. I got mine starting out at 10K and then at 60 days went to 30K and 6 months later went for 50K and got the 4506-T and submitted it and within 2 weeks was approved. When you want more than 50K they'll call you about it and inquire why you need/want to go above 50K in addition to the 4506-T request. If your spend and/or income don't meet what they're looking for then they'll either bump it insignificantly like mine by $700 or deny the request.

 

Most of my cards have grown using this method of just making sure there's activity each month and autopay the statement balance.

 

Discover started at $4500 and over 18 months jumped to the final tally of 50K as well.

 

BOA which is still under a year started at 10K jumped to 18.8K and most recently to 31.1K with minimal usage.

 

Of course there's the standard YMMV on any approach to growing with a particular lender and what they're looking for. For instance Chase can be a bit finicky when it comes to a CLI or even a starting CL. I picked up Aamazon for 10K and Freedom Unlimited for 25.9K. A few months into it went for a CLI on Freedom Unlimited and got 5K out of them but, less than 30 days later apped for the CSP and got another 25.9K matching the Freedom Unlimited limit. US Bank though has to be one of the oddest experiences when it came to apping and getting the final limit. I went for 2 cards with them and it was an instant 7-10 message and upon calling was a denial for 6 inquiries, resubmitted for review and approved for $500/ea and then called again to boost them to 25K/ea which was countered at 10K/ea which is fine considering they were only going to be used for the $150/ea SUB and eventually just combine them into a 20K card. Citi is a bit odd as well with an approval for 11K and immediate CLI request when registered online for another 5K with another HP....why not just give the full CL upon approval instead of being a PITA about it?

 

Anyway.... with time and activity just about anything will grow with any lender unless they put you in the crap bucket to begin with that limits your growth down the road.

 

Is 50k the max on Discover?

 

No.

 

The highest I've seen posted by someone so far is between 65K-70K by someone that has had the card for a number of years. I don't think they have a ceiling that you can't break through if you have the funds to support such a limit but, if they do it would probably be 100K if I had to guess. I could have surpassed 50K with them but, I didn't feel like providing income verification at the time for the measly extra 2K that they were offering at the time. I still had a bad taste from Amex and their games with income verification fiasco resulting in a $700 bump due to lack of use to warrant a substantial raise in their limit.

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I hit he Macy luv button I was at 1200 was gonna say 500 but added a few more zeros and even it out new limit 5500

Congrats!

I really dont use that much but available doesnt mean use cause there I heard 🤔 time to celebrate with some Franco chocolate lol Edited by cj123
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I hit he Macy luv button I was at 1200 was gonna say 500 but added a few more zeros and even it out new limit 5500

Congrats!

I really dont use that much but available doesnt mean use cause there I heard time to celebrate with some Franco chocolate lol

 

 

Enjoy! I don't use mine very often, either. Maybe 2-3 times in the past couple years.

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Amex isn't too picky when ti comes to CLI's usually. Behavior for myself is to just put a couple of bills on it for recurring usage and then autopay the statement balance. No need to get more complicated than that. I got mine starting out at 10K and then at 60 days went to 30K and 6 months later went for 50K and got the 4506-T and submitted it and within 2 weeks was approved. When you want more than 50K they'll call you about it and inquire why you need/want to go above 50K in addition to the 4506-T request. If your spend and/or income don't meet what they're looking for then they'll either bump it insignificantly like mine by $700 or deny the request.

 

Most of my cards have grown using this method of just making sure there's activity each month and autopay the statement balance.

 

Discover started at $4500 and over 18 months jumped to the final tally of 50K as well.

 

BOA which is still under a year started at 10K jumped to 18.8K and most recently to 31.1K with minimal usage.

 

Of course there's the standard YMMV on any approach to growing with a particular lender and what they're looking for. For instance Chase can be a bit finicky when it comes to a CLI or even a starting CL. I picked up Aamazon for 10K and Freedom Unlimited for 25.9K. A few months into it went for a CLI on Freedom Unlimited and got 5K out of them but, less than 30 days later apped for the CSP and got another 25.9K matching the Freedom Unlimited limit. US Bank though has to be one of the oddest experiences when it came to apping and getting the final limit. I went for 2 cards with them and it was an instant 7-10 message and upon calling was a denial for 6 inquiries, resubmitted for review and approved for $500/ea and then called again to boost them to 25K/ea which was countered at 10K/ea which is fine considering they were only going to be used for the $150/ea SUB and eventually just combine them into a 20K card. Citi is a bit odd as well with an approval for 11K and immediate CLI request when registered online for another 5K with another HP....why not just give the full CL upon approval instead of being a PITA about it?

 

Anyway.... with time and activity just about anything will grow with any lender unless they put you in the crap bucket to begin with that limits your growth down the road.

 

Is 50k the max on Discover?

 

No.

 

The highest I've seen posted by someone so far is between 65K-70K by someone that has had the card for a number of years. I don't think they have a ceiling that you can't break through if you have the funds to support such a limit but, if they do it would probably be 100K if I had to guess. I could have surpassed 50K with them but, I didn't feel like providing income verification at the time for the measly extra 2K that they were offering at the time. I still had a bad taste from Amex and their games with income verification fiasco resulting in a $700 bump due to lack of use to warrant a substantial raise in their limit.

 

 

If I remember correctly (and there's no guarantee that I do)... BobWang and/or Trevor have limits $100k+ with Discovery.

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A cli yesterday from NFCU from $14,700 to $22,000. I asked for $25,000 and it was not automatic as it went to review. Later in the day, I noticed that they had given me $22,000. There was no countering of my request for $25,000 as I had seen mentioned on here previously. I also had my EQ and TU reports locked so there was not a hard pull. From the best I can tell there was not even a soft pull on TU and I can't get in EQ to determine if they soft pulled there or not.

Edited by ep2015
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An update here on the NFCU cli, so I requested one on Wednesday 4/18 and it was granted on 4/18. Then NFCU apparently did a hard pull yesterday on 4/19 based on an alert I received this morning. How can they do a hard pull with a locked report?

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An update here on the NFCU cli, so I requested one on Wednesday 4/18 and it was granted on 4/18. Then NFCU apparently did a hard pull yesterday on 4/19 based on an alert I received this morning. How can they do a hard pull with a locked report?

Your report was not locked. Bc they cant do a hard of it is locked.
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An update here on the NFCU cli, so I requested one on Wednesday 4/18 and it was granted on 4/18. Then NFCU apparently did a hard pull yesterday on 4/19 based on an alert I received this morning. How can they do a hard pull with a locked report?

Your report was not locked. Bc they cant do a hard of it is locked.

 

I just checked Equifax Lock and Alert and it is still locked. I've had it locked for sometime now and have never unlocked it.

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After 3 years of a paltry 1k limit with PNC Points Visa, I decided to apply for the Cashbuilder Visa, which is very similar to the Costco Anywhere (Citi) card.

Approved for 10k, which is not a huge limit, nor even half of my largest, but, for a conservative bank like PNC, I'm content with that. Now I'm going to close the 1k card which I never use.

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C1 Venture - 15k->16k (1k CLI)

 

Approved for Paypal 2% - 4k

 

After 3 years of a paltry 1k limit with PNC Points Visa, I decided to apply for the Cashbuilder Visa, which is very similar to the Costco Anywhere (Citi) card.

 

Approved for 10k, which is not a huge limit, nor even half of my largest, but, for a conservative bank like PNC, I'm content with that. Now I'm going to close the 1k card which I never use.

 

Congrats!!!

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Ty, Kat.

 

And ...approved for NFCU Platinum $18,100 - not terribly useful, but as my employer is on shaky ground, I may need a low interest card. I hope not, but better to have it and not need it, right?

 

Always :)

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My highest limit to date..and almost 2x my highest limit prior. Makes me wonder if I didn't make a mistake. They give me 9x my first card, that I've barely used? PNC gave me 10x the card I barely used...maybe it's not a mistake?

On income, I added my commissions as extra income...but I put them in as a yearly, not monthly, as the commissions don't always line up every month. On average..probably about 7 checks a year. I wonder if the software understood what 14k/yr meant...

 





CREDIT CARD ACCOUNT

PenFed Power Cash Rewards®

  • APPLICATION STATUSApproved
  • APPLICATION #
  • VARIABLE APR
  • 16.24%
  • CREDIT LINE$45,000.00
  • CASH BACK1.5%
Edited by ukaserex
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The last post in this topic was posted 1761 days ago. 

 

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