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cv91915

Master 2020 Approvals and CLIs Thread

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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.¬† ūüėõ¬†

 

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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.

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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.

 

ūüė©

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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.

 

ūüė©

At least you can get 3% back at restaurants with the Amex version.  :) 

 

https://www.macys.com/p/credit-card-rewards/

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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.     

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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!

 

 

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I am considering joining them.

But may have to hold off until get this baddie of my EX in 3-4 months.

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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

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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.

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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

GDKm6KP.png

  • 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 by cv91915

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