Master 2018 Approvals and CLIs Thread

[cv91915]

9 hours ago, cv91915 said:

US Bank Altitude Reserve, limit unknown (will update when card arrives)

$15,000  

[peghede]

On 10/2/2018 at 2:03 PM, cv91915 said:

$15,000  

Nice,congrats m8

[davidrotts]

Amex Delta Gold business 25K, highest Amex CL if only it was a personal card...

[TheVig]

Williams Sonoma Visa $5300 to $6800 via luv button

[cv91915]

Mom's Discovery, $4,200 -> $5,400.   

[minnie aubre]

Macy's $20,000 -> $25,000

Williams Sonoma $11,250 -> $17,250

J Crew $16,050 -> $18,050 (that's a lot of socks...)

 

[scott31337]

Paypal 2% MC - 4k->7k

[MWGardener]

Perhaps a rookie question: 

Some issuers provide free credit scores as a benefit of being a cardholder. Do issuers who provide free scores use the same CRA for both free scores AND their credit issuing decisions?

 

I assume (but don't know with certainty) that issuers may not use the same score models for free scores as they use to extend credit.

 

How reliable is the correlation of issuers using the same CRA for free credit scores as credit decisions?  

 

Example: Chase provide cardholders with a credit score using a VantageScore 3.0 model against a TU credit report. Does Chase actually use a TU credit report to make their credit decision, using perhaps a  FICO 8 Bankcard Score?

 

I ask because my 3 reports are similar, but not the same.  EX and EQ show a mortgage account, TU does not. TU reports the most inquiries, EQ the least.  

 

 

[cv91915]

5 hours ago, MWGardener said:

Perhaps a rookie question: 

Some issuers provide free credit scores as a benefit of being a cardholder. Do issuers who provide free scores use the same CRA for both free scores AND their credit issuing decisions?

 

I assume (but don't know with certainty) that issuers may not use the same score models for free scores as they use to extend credit.

 

How reliable is the correlation of issuers using the same CRA for free credit scores as credit decisions?  

 

Example: Chase provide cardholders with a credit score using a VantageScore 3.0 model against a TU credit report. Does Chase actually use a TU credit report to make their credit decision, using perhaps a  FICO 8 Bankcard Score?

 

I ask because my 3 reports are similar, but not the same.  EX and EQ show a mortgage account, TU does not. TU reports the most inquiries, EQ the least.  

 

 

The FICO score disclosed to you as an "account benefit" is the same score from the same bureau as a score used for account reviews.

 

fwiw, Chase used Equifax to approve my Sapphire Reserve back in January (score model unknown).

 

I wouldn't assume that approvals are based on whichever bureau an issuer gives to non-account-holders with a Vantage Skore next to it.  They almost certainly aren't using the skore itself.

 

[hawaiigirl]

BOA $50K --> $72.5K

[peghede]

16 hours ago, hawaiigirl said:

BOA $50K --> $72.5K

Nice one

[WestCoastKid]

On 10/8/2018 at 2:15 AM, cv91915 said:

The FICO score disclosed to you as an "account benefit" is the same score from the same bureau as a score used for account reviews.

 

fwiw, Chase used Equifax to approve my Sapphire Reserve back in January (score model unknown).

 

I wouldn't assume that approvals are based on whichever bureau an issuer gives to non-account-holders with a Vantage Skore next to it.  They almost certainly aren't using the skore itself.

 

A couple data points based on my accounts with the following:

PenFed uses Equifax FICO 9 score model

Citi uses Equifax FICO Bankcard 8 score model

[MWGardener]

3 hours ago, WestCoastKid said:

A couple data points based on my accounts with the following:

PenFed uses Equifax FICO 9 score model

Citi uses Equifax FICO Bankcard 8 score model

Many thanks! Helpful. 

 

Is there link or trustworthy source to a more comprehensive list of which card issuers use which bureau and which model, particularly the majors (Amex, Chase, BOA, et al)?

 

Appreciate your fast and specific response.

[donuteric]

AMEX Gold just approved. A message popped up during the application that I don't qualify for the 50k welcome bonus. 

 

Discover CLI to 25k.

 

Chase Amazon Visa for 25k.

 

It's been a very quiet year as there is all I have going in 2018 thus far.

[Glacier]

Citi Double Cash - Approved $4k.  FICO 702, BK7 in 2010., but I did not BK on Citi. 

Edited October 10, 2018 by Glacier
added clarification poin on BK

[cv91915]

1 hour ago, donuteric said:

AMEX Gold just approved. A message popped up during the application that I don't qualify for the 50k welcome bonus. 

 

How many Amices have you opened and how many have you closed in the past 12 months?

[davidrotts]

How many Amices have you opened and how many have you closed in the past 12 months?

It's a completely flawed system.

[donuteric]

13 minutes ago, cv91915 said:

How many Amices have you opened and how many have you closed in the past 12 months?

 

I had the PRG before. The message indicated that as the reason, consistent with the language used in the TOS.

 

Edited October 10, 2018 by donuteric

[cv91915]

17 minutes ago, donuteric said:

 

I had the PRG before. The message indicated that as the reason, consistent with the language used in the TOS.

 

Got it, thank you.

[WestCoastKid]

9 hours ago, MWGardener said:

Many thanks! Helpful. 

 

Is there link or trustworthy source to a more comprehensive list of which card issuers use which bureau and which model, particularly the majors (Amex, Chase, BOA, et al)?

 

Appreciate your fast and specific response.

In regards to the free score benefits provided by some banks for their customers, SOME (but not all) will specifically state "this is the same score we use for managing your account." I don't think there is any comprehensive list for this particularly.

 

However, there is a great feature on this site called CreditPulls which is a database showing the specific credit bureau and scores used by different lenders for application approval or denial. All based on data contributions of our members on this site.

[hawaiigirl]

23 hours ago, peghede said:

Nice one

Thanks. My highest limit (so far). 😃

[peghede]

J Crew $16,000 ------> $16,500 CLI

Pottery Barn $50,000------>$50,000 (declined already have max card goes to)

Crate & Barrel $30,000-----$30,000 (declined already have max card goes to)

Neiman Marcus $25,000 ---->$35,000 CLI

Huntington Voice MC #3 ----->$20,000 (1st,and 2nd card both @ $24,000 each)

Edited October 11, 2018 by peghede

[minnie aubre]

1 hour ago, peghede said:

J Crew $16,000 ------> $16,500 CLI

Pottery Barn $50,000------>$50,000 (declined already have max card goes to)

Crate & Barrel $30,000-----$30,000 (declined already have max card goes to)

Neiman Marcus $25,000 ---->$35,000 CLI

Huntington Voice MC #3 ----->$20,000 (1st,and 2nd card both @ $24,000 each)

Congrats!

 

What? Pottery Barn goes to $50,000?  I better get busy!

[peghede]

lol

[tmkats]

Was FINALLY able to get the BJ's MC.  If anyone has been following my lust of Vig and his card they will know what I mean.

 

Came as a pre-approval in my e-mail today with full opt out language.  Ran through the process and was approved for $5K.  Not alot but matches my lowest limits.  We go to BJ's ALOT and 5% back can go a long way there.

 

It's funny, I cold applied for this a few weeks ago and was denied and now I get the pre-approval.  Go figure!