Master 2018 Approvals and CLIs Thread

[credit_help]

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

Congrats Brainchasm.

I am stuck at $25K on cashRewards and $5K on GO Rewards. What did you do to budge them? What’s your usage and history with NFCU?

[Redlegs]

Hit the luv button with discover got a 2.5k increase. Went from 5k to a 7.5k limit. Opened it back in June of last year with a starting limit of 2k. Getting to 7.5k already feels good so early in my credit journey.

 

Sent from my Pixel 2 XL using Tapatalk

[Kat58]

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

 

Hit the luv button with discover got a 2.5k increase. Went from 5k to a 7.5k limit. Opened it back in June of last year with a starting limit of 2k. Getting to 7.5k already feels good so early in my credit journey.

 

Congrats to you both!!!

[brainchasm]

 

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

Congrats Brainchasm.

I am stuck at $25K on cashRewards and $5K on GO Rewards. What did you do to budge them? What’s your usage and history with NFCU?

 

I put a very large BT on the card at some point, and after I paid it off I requested the CLI. No idea if that mattered, but it might have.

 

They don't have my primary checking/savings, but they had my first car note, and now have my second car note.

 

If Wells Fargo had screwed up (or in the future screws up) my mortgage in any way, it'd go to NFCU without a second thought.

[thesaintly]

 

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

Congrats Brainchasm.

I am stuck at $25K on cashRewards and $5K on GO Rewards. What did you do to budge them? What’s your usage and history with NFCU?

 

I have the Go Rewards and they opened the account with a $25k limit a year ago. Haven't requested a CLI since, because according to a rep I spoke with last night, all CLI's are hard pulls. I'm saving my pulls for non-NFCU cards this year for some opening account promo bonuses, but maybe in 2019 I'll burn a hard pull to see if NFCU is feeling generous. I love their customer service.

[givemesumcredit]

Approved for Chase Southwest Plus for $9000! Now it's time to manufacture some spending to take advantage of the 50,000 point welcome bonus

[bigpoppa09]

Approved for Chase Southwest Plus for $9000! Now it's time to manufacture some spending to take advantage of the 50,000 point welcome bonus

Congrats.

[credit_help]

 

 

 

 

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

Congrats Brainchasm.

I am stuck at $25K on cashRewards and $5K on GO Rewards. What did you do to budge them? What’s your usage and history with NFCU?

I have the Go Rewards and they opened the account with a $25k limit a year ago. Haven't requested a CLI since, because according to a rep I spoke with last night, all CLI's are hard pulls. I'm saving my pulls for non-NFCU cards this year for some opening account promo bonuses, but maybe in 2019 I'll burn a hard pull to see if NFCU is feeling generous. I love their customer service.

Some have gotten CLIs without a hard inquiry. But, most of them for CLs under $25K.

[credit_help]

 

 

 

 

Fricking FINALLY!

 

After years of my NFCU CC being stuck at $27k, they finally budged! Requested $50k, got $33k. But hey, it's something!

Congrats Brainchasm.

I am stuck at $25K on cashRewards and $5K on GO Rewards. What did you do to budge them? What’s your usage and history with NFCU?

I put a very large BT on the card at some point, and after I paid it off I requested the CLI. No idea if that mattered, but it might have.

 

They don't have my primary checking/savings, but they had my first car note, and now have my second car note.

 

If Wells Fargo had screwed up (or in the future screws up) my mortgage in any way, it'd go to NFCU without a second thought.

Thanks brainchasm.

[credit_help]

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Edited February 14, 2018 by credit_help

[cv91915]

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

 

 

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

[credit_help]

 

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

Thanks. Cannot believe you’re congratulating and encouraging me to get a FenPed card and checking.:-)

Yes. I opened an Access America checking a few weeks ago and am still testing if ACHs are treated as direct deposits. Setup two $250 ACH transfers but only one made it so far before the 1st statement cut. Don’t see any fees on the statement or checking account with $254 balance. AA Checking has $500 DD or minimum balance requirement for avoiding fees.

 

From online sources, it looks like FenPed does not treat any incoming ACH transfer as DD. See, CUs can do something bigger banks like BofA, Chase, etc. cannot. :-)

Edited February 14, 2018 by credit_help

[tobettercredit]

Can someone confirm that PenFed is starting new CC approvals at $10k or lower?

[cv91915]

 

 

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

 

Thanks. Cannot believe you’re congratulating and encouraging me to get a FenPed card and checking.:-)

Yes. I opened an Access America checking a few weeks ago and am still testing if ACHs are treated as direct deposits. Setup two $250 ACH transfers but only one made it so far before the 1st statement cut. Don’t see any fees on the statement or checking account with $254 balance. AA Checking has $500 DD or minimum balance requirement for avoiding fees.

 

From online sources, it looks like FenPed does not treat any incoming ACH transfer as DD. See, CUs can do something bigger banks like BofA, Chase, etc. cannot. :-)

 

It takes a pretty good reason to discourage someone from getting a 2% card for general spending.

 

The Citi Double Cash is a stupid concept, the Fidelity card is issued by Elan (which has few fans here) and the PayPal option from Synchrony has a less lofty limit potential for most people compared to FenPed.

 

If you hadn't gotten the checking account then you might was well have opened a Capital One Quicksilver, and then I would have gouged out your eyeballs and peed into your skull.

[credit_help]

It takes a pretty good reason to discourage someone from getting a 2% card for general spending.

 

The Citi Double Cash is a stupid concept, the Fidelity card is issued by Elan (which has few fans here) and the PayPal option from Synchrony has a less lofty limit potential for most people compared to FenPed.

 

If you hadn't gotten the checking account then you might was well have opened a Capital One Quicksilver, and then I would have gouged out your eyeballs and peed into your skull.

I have both the Fidelity Rewards Visa and Quicksilver MC. I do use Fidelity and Alliant CU Cash Back Visa for general spend when I don’t have a CC with bonus for minimum spend.

 

Actually, I was thinking of getting a Path Finder but clicked on this card instead.

 

Jennifer Garner is still telling me to get a Venture CC though. :-)

Edited February 14, 2018 by credit_help

[cv91915]

 

 

 

 

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

Thanks. Cannot believe you’re congratulating and encouraging me to get a FenPed card and checking.:-)

Yes. I opened an Access America checking a few weeks ago and am still testing if ACHs are treated as direct deposits. Setup two $250 ACH transfers but only one made it so far before the 1st statement cut. Don’t see any fees on the statement or checking account with $254 balance. AA Checking has $500 DD or minimum balance requirement for avoiding fees.

 

From online sources, it looks like FenPed does not treat any incoming ACH transfer as DD. See, CUs can do something bigger banks like BofA, Chase, etc. cannot. :-)

It takes a pretty good reason to discourage someone from getting a 2% card for general spending.

 

The Citi Double Cash is a stupid concept, the Fidelity card is issued by Elan (which has few fans here) and the PayPal option from Synchrony has a less lofty limit potential for most people compared to FenPed.

 

If you hadn't gotten the checking account then you might was well have opened a Capital One Quicksilver, and then I would have gouged out your eyeballs and peed into your skull.

I have both the Fidelity Rewards Visa and Quicksilver MC. I do use Fidelity and Alliant CU Cash Back Visa for general spend when I don’t have a CC with bonus for minimum spend.

 

Actually, I was thinking of getting a Path Finder but clicked on this card instead.

 

 

A new 2% card when you already have one? I advise getting some protective eye covering and a rubber sheet.

[credit_help]

 

 

 

 

 

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

Thanks. Cannot believe you’re congratulating and encouraging me to get a FenPed card and checking.:-)

Yes. I opened an Access America checking a few weeks ago and am still testing if ACHs are treated as direct deposits. Setup two $250 ACH transfers but only one made it so far before the 1st statement cut. Don’t see any fees on the statement or checking account with $254 balance. AA Checking has $500 DD or minimum balance requirement for avoiding fees.

 

From online sources, it looks like FenPed does not treat any incoming ACH transfer as DD. See, CUs can do something bigger banks like BofA, Chase, etc. cannot. :-)

It takes a pretty good reason to discourage someone from getting a 2% card for general spending.

 

The Citi Double Cash is a stupid concept, the Fidelity card is issued by Elan (which has few fans here) and the PayPal option from Synchrony has a less lofty limit potential for most people compared to FenPed.

 

If you hadn't gotten the checking account then you might was well have opened a Capital One Quicksilver, and then I would have gouged out your eyeballs and peed into your skull.

I have both the Fidelity Rewards Visa and Quicksilver MC. I do use Fidelity and Alliant CU Cash Back Visa for general spend when I don’t have a CC with bonus for minimum spend.

 

Actually, I was thinking of getting a Path Finder but clicked on this card instead.

A new 2% card when you already have one? I advise getting some protective eye covering and a rubber sheet.

Why a rubber sheet?

[minnie aubre]

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

 

 

Congrats!

[credit_help]

 

 

Congrats!

Thanks minnie.

[Kat58]

PenFed Power Cash Rewards CC with low limit.

 

"CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)"

 

Congratulations, CH!!! :-)

[credit_help]

Congratulations, CH!!! :-)

Thanks Kat. Edited February 14, 2018 by credit_help

[ukaserex]

Another $1500 increase on my Discover. (about 6 months since the last one)

 

Up to 23800

[Kat58]

Another $1500 increase on my Discover. (about 6 months since the last one)

 

Up to 23800

 

Sweet!!!

[Chief1bix8]

 

Discover 1000 to 1700, account open since Nov 2017 first increase with love button

 

Discover 1000 to 1700, account open since Nov 2017 first increase with love button

 

Congrats!

 

Do you have 2 separate cards you got at the same time? Does discover give you 2 cards with the same pull or something? It would be interesting to see if there's a list of which banks will grant 2 cards with a single pull if you apply in a short timeframe.

No only got one discover and this was just a increase not new cards

[brainchasm]

 

 

 

 

 

PenFed Power Cash Rewards CC with low limit.

CONGRATULATIONS!

You have been approved for the PenFed Power Cash Rewards Card: $6,000.00 Credit limit @ 12.24% Variable APR (Annual Percentage Rate)

Congrats! Do you have a checking account so the rewards go from 1.5% -> 2%?

Thanks. Cannot believe you’re congratulating and encouraging me to get a FenPed card and checking.:-)

Yes. I opened an Access America checking a few weeks ago and am still testing if ACHs are treated as direct deposits. Setup two $250 ACH transfers but only one made it so far before the 1st statement cut. Don’t see any fees on the statement or checking account with $254 balance. AA Checking has $500 DD or minimum balance requirement for avoiding fees.

 

From online sources, it looks like FenPed does not treat any incoming ACH transfer as DD. See, CUs can do something bigger banks like BofA, Chase, etc. cannot. :-)

It takes a pretty good reason to discourage someone from getting a 2% card for general spending.

 

The Citi Double Cash is a stupid concept, the Fidelity card is issued by Elan (which has few fans here) and the PayPal option from Synchrony has a less lofty limit potential for most people compared to FenPed.

 

If you hadn't gotten the checking account then you might was well have opened a Capital One Quicksilver, and then I would have gouged out your eyeballs and peed into your skull.

I have both the Fidelity Rewards Visa and Quicksilver MC. I do use Fidelity and Alliant CU Cash Back Visa for general spend when I don’t have a CC with bonus for minimum spend.

 

Actually, I was thinking of getting a Path Finder but clicked on this card instead.

 

 

A new 2% card when you already have one? I advise getting some protective eye covering and a rubber sheet.

 

I have two 2.5% CB cards...am I doing it wrong?