cv91915 Posted January 1, 2020 Share Posted January 1, 2020 Happy New Year, and good luck with your 2020 credit pursuits! As always, please steer clear of useless store cards and fee-sucking predatory cards... and unless you thrive on disappointment, avoid Discovery like the plague. 😛 Allkindabroke, trachkids and Midwestgardener 2 1 Link to post Share on other sites
Occam Posted January 2, 2020 Share Posted January 2, 2020 Also beware the Year of the RAT. Officially it doesn't begin until January 25th but at least one newly AActive rodent woke 2 months early. DPB 1 Link to post Share on other sites
tmkats Posted January 2, 2020 Share Posted January 2, 2020 I'm a salamander. DW and I went to Macy's yesterday and they were having their usual suck you in percentage off if you apply for their card. I applied and was approved for both the AMEX and store card. The lady at the counter almost screwed me and hit the store card button but I stopped her in time and took the AMEX. DW bought something small and I'll PIF when it comes, but I still feel dirty. 😩 Link to post Share on other sites
cv91915 Posted January 2, 2020 Author Share Posted January 2, 2020 55 minutes ago, tmkats said: I'm a salamander. DW and I went to Macy's yesterday and they were having their usual suck you in percentage off if you apply for their card. I applied and was approved for both the AMEX and store card. The lady at the counter almost screwed me and hit the store card button but I stopped her in time and took the AMEX. DW bought something small and I'll PIF when it comes, but I still feel dirty. 😩 At least you can get 3% back at restaurants with the Amex version. https://www.macys.com/p/credit-card-rewards/ Link to post Share on other sites
Allkindabroke Posted January 2, 2020 Share Posted January 2, 2020 I made a purchase on my Target MC on Tuesday and received an Experian alert of a CLI from $13K->$15K. I looked through the last few years of alerts and it seems I get a $2k-$3k increase at the end of every June and December. Kat58 and cv91915 2 Link to post Share on other sites
tmkats Posted January 2, 2020 Share Posted January 2, 2020 27 minutes ago, cv91915 said: At least you can get 3% back at restaurants with the Amex version. https://www.macys.com/p/credit-card-rewards/ Yeah, I saw that when applying also. Makes it only slightly better. Link to post Share on other sites
althes Posted January 3, 2020 Share Posted January 3, 2020 Langley CU Visa 5k and the LOC 2.5k. Avianca 3.4k Saks 5k to 10k. Bergdorf 5k to 10k. XMAS shopping helped. hegemony and cv91915 2 Link to post Share on other sites
bigpoppa09 Posted January 8, 2020 Share Posted January 8, 2020 US Skank Cash+ SP CLI +5K. scott31337, Kat58, cv91915 and 1 other 4 Link to post Share on other sites
luckydriver Posted January 10, 2020 Share Posted January 10, 2020 psecu rocks. just past my 5 year BK (their limit) and decided to apply for founders card even though recently i got 2 other cards and maxed out the one with a 0 BT and the other one with a 0 % two year offer on an appliance i needed. founders card gave me 10K. other psecu card was at 20K for years. 50% util on that card now. 625 psecu fico. and it already shows up in my account online so im happy. i can now play the BT game with lotta headroom. i like to transfer my heloc (or other balances) over to 0 percent cards and pay it down then xfer back to heloc when the psecu offer resets .for example today psecu gives 2.9 till end of 2021 so i get 2 years of interest savings. best CU out there! althes, Kat58, hegemony and 1 other 4 Link to post Share on other sites
althes Posted January 10, 2020 Share Posted January 10, 2020 I am considering joining them. But may have to hold off until get this baddie of my EX in 3-4 months. Link to post Share on other sites
almostanonymous Posted January 14, 2020 Share Posted January 14, 2020 BoA CLI + 6500 (74.5k) Chase FU, 24.5k hegemony, Kat58 and Midwestgardener 3 Link to post Share on other sites
pacemaker67 Posted January 14, 2020 Share Posted January 14, 2020 AMEX Business Gold Card... first AMEX card. Have been an AU on DW's card for 5 months. 648 EX Fico, (7) CO's, (2) CA's 6 years old. Prequal, 50K SUB, Instant hegemony 1 Link to post Share on other sites
TheVig Posted January 19, 2020 Share Posted January 19, 2020 BJ's MC. CLI. $13.2k to $14.4k via luv button. Link to post Share on other sites
Krish Posted January 19, 2020 Share Posted January 19, 2020 Sony card with CRAP ONE was stuck at 9k for 6+ years. Comenity took over last month and i got a 5k CLI to 14k last week. Kat58 1 Link to post Share on other sites
kaylee34 Posted January 19, 2020 Share Posted January 19, 2020 Disco +2k via luv button US Bank +5k auto CLI Chase FU +4k auto CLI scary! scott31337, Kat58 and hegemony 3 Link to post Share on other sites
cv91915 Posted January 20, 2020 Author Share Posted January 20, 2020 (edited) I just did a CLI audit and realized that I hadn't recently made requests on some of my cards. Results of my review and actions: American Express Multiple Amices, no successful CLIs since $81,000 Hilton card was transferred from Citi No action taken Bank of America 3 cards with limits totaling exactly the $99,900 threshold No action taken Barclays Aviator Silver Recently closed the ridiculously awful Arrival+ and moved the laughable $5,000 limit to this card Currently at $50,000 Barclays has declined multiple previous CLI attempts AND new card applications (they will not give me more credit) No action taken Capital One Quicksilver Currently at $23,000 Started as a subprime Platinum in 2010 with a $750 limit Last CLI was on 5/1/19 (+$3,000) Request is pending Chase Freedom at $58,015 Freedom Unlimited at $35,000 I lacked the ambition to make a phone call Citi Expedia: instant FOAD (too soon) AA Executive: instant FOAD (too soon) Discovery IT Currently at $57,500 Most recent CLI was on 10/17/19 (+$500) Previous CLI was on 9/1/17 (+$7,000) Request is pending PenFed Useless Rewards Visa Currently at $45,900 Not worth the effort for a bump to the card's max of $50,000 Synchrony Two stupid cards (PayPal MC and RackEwe10 Visa) Multiple consecutive CLI requests denied on all cards (online and through the backdoor number) No action taken US Bank Recently got a modest ($5,000) CLI on my Altitude No action taken (can't reallocate limits between Altitude and Cash+, and US Bank is proving to be stingy) Wells Fargo Rewards Visa (joint with spouse) Currently at $25,000 Last CLI was in 2014 No online CLI option No action taken Edited January 20, 2020 by cv91915 Midwestgardener and althes 2 Link to post Share on other sites
Midwestgardener Posted January 21, 2020 Share Posted January 21, 2020 CLIs: Amex BC +5K, now 44K Barclays Uber +5K, now 11K Chase Amazon +5K, now 45K Chase Marriott +5K, now 35K Citi DC 5K, now +40K I am seeing a pattern here...I am sure of it. I suppose that I need to raise my ask... Kat58, cv91915 and hegemony 3 Link to post Share on other sites
TheVig Posted January 25, 2020 Share Posted January 25, 2020 HSBC Cash Rewards MC $7250 to $9250 No HP Midwestgardener, cv91915 and Kat58 3 Link to post Share on other sites
TheVig Posted January 25, 2020 Share Posted January 25, 2020 (edited) Discover $4400 to $7900 Discover Miles $19.5k No go. FOAD Edited January 25, 2020 by TheVig cv91915 and Kat58 2 Link to post Share on other sites
althes Posted January 27, 2020 Share Posted January 27, 2020 USAA Cash Rewards 4k Amex ED 1k Amex Hilton 6.3k cv91915 1 Link to post Share on other sites
brainchasm Posted January 28, 2020 Share Posted January 28, 2020 Discover 23k -> 27.5k. Nice, since I just put a fat BT on that card. Kat58 1 Link to post Share on other sites
brainchasm Posted January 28, 2020 Share Posted January 28, 2020 Wells Fargo Rewards VISA Signature 5k -> 7.5k soft pull through freeze. Had option to accept incremental, or go to underwriters for full amount and likely hard pull, so I took incremental. Kat58 1 Link to post Share on other sites
brainchasm Posted January 29, 2020 Share Posted January 29, 2020 (edited) NFCU 33k -> 41k, with reports frozen. Total available is now $287,400 + $15k CLOC + $1600 Affirm Shooting for $300k in revolvers, which would put me at about 4x income. Edited January 29, 2020 by brainchasm althes and TheVig 2 Link to post Share on other sites
TheVig Posted January 29, 2020 Share Posted January 29, 2020 I needed another 1.5% CB card like I need a hole in my head. Maybe I can use the card to fill the hole. Regions Bank Cash Rewards Visa Signature $10k 0% first 12 months, then 13.6% after that (APR doesn't matter) Card will arrive in 7-10 No prior relationship As Paul Harvey would say.....now for the rest of the story...….. Went online and went through their pre qualified offers process. Came back offering me a choice of three cards with $10k limits at 13.6%. I selected the Cash Rewards Visa. Continued thru the application process. Then was asked to call 800-734-4667, or visit a local branch. At this point, no HP had occurred yet. I called. Told to take my DL, SS card, and a utility statement to a local branch. I asked if I should also bring pay stubs or W2's. Said it wasn't needed. Go to local branch. Nothing more than verification, of I.D. Local branch entered a few keystrokes, then the Transunion HP alert, then congrats from the branch manager. So far no HP hits from EQ or EX. In other news, the codeine in the cough medicine I'm currently taking for the flu, is extra special compared with other codeine laced meds I've had. Link to post Share on other sites
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