Master 2021 Approvals and CLIs Thread (Post Yours!)

[MP80]

4 hours ago, cv91915 said:

Did you already have the CSP?  

NO. I get almost all Chase cards with "you already approved" status, except the United Club card. 

 

Honestly, I don't like Chase and its policies and business practice tactics. Well, let see what made me don't like them...

 

A- An unfriendly lender to all reputations risked customers.
B- 5% credit card cash advance limited.
C- Double-pull on every credit application.
D- Hard-pull on the credit line increases (again DP).
E- A RAT team potentially closed all your accounts without warning.

 

Wells Fargo is bad! Sync and Com are disgusting but, Chase is shrewd! Because Chase doesn't care they're the largest bank and half of all household in the US has an account with Chase. They're too big to fail.

 

Now, don't get me wrong, if you have good credit, Chase will come through for you and lend you substantial money to meet your needs. Otherwise, they are insatiable!  

[Kat58]

On 6/2/2021 at 7:43 PM, hdporter said:

Prospects for a further increase on my $29.8 Discover CL are bleak.  Last increase was $500 Jan '20.   Last response was:  Denied - insufficient use of credit line.

 

I put one or two charges on it each quarter.  No incentive to charge more.  I thought they'd toss me a $500 CLI bone after not having requested in 16 months; not the case.

You're not doing it right... hehe

[Kat58]

On 6/9/2021 at 11:26 AM, TheVig said:

BofA Amtrak Guest Rewards World MC. Instant approval. $13,000

$79 AF

 

20,000 SUB and $200 statement credit for $1000 spend in first 90 days.

 

[Kat58]

On 6/9/2021 at 11:26 AM, TheVig said:

 

 

Edited June 11, 2021 by Kat58
dup

[hdporter]

14 hours ago, Kat58 said:

You're not doing it right... hehe

 

 

Ain't that the truth ...

 

On Thursday I sat on the phone for 40+ minutes, suffering 2 disconnected calls, because I applied for a Best Buy card.  (I wanted to purchase a $1200 cell phone, Galaxy Z Flip, and BB's 10% first purchase reward was desirable.)

 

The issue was that I had over $100k in Citi lines (incl $33k tied up with Home Dep & Sears).  This required special handling apparently.  I suffered a request for emailed w-2 and an IRA statement, for which I complied.  And then with added delays, I simply lost it on the phone ...

 

Well, actually, that happened when shortly into my 3rd call I complained that I had been on the phone for over 40 minutes and the CSR replied, "well, you've only been on the phone with me for 4.  Yeah, I lost my *Admin and our Terms of Service prohibit profanity*. 

 

That apparently prompted the CSR to short-cut things by asking if a $2k line would be sufficient, in which case she could likely secure immediate approval.  Good by me (good chance I'll shut the card down immediately upon taking advantage of the purchase rewards now).  Within 5 minutes I had my approval and a card number loaded to my Best Buy online account.

 

For 30 years I've held Citi in my strongest esteem because they've pretty much stuck with DW and I through thick and thin and I've sung Citi's praises on this board.  This encounter blew that goodwill entirely out the window. 

 

 

[MP80]

I got the pre-approved mail offer last Friday with an earlier email offered from 2 weeks ago and I decided today was the right moment to pulled the trigger to make an inquiry on EFX hard-pulled.  

 

0 -inquiries
EFX - FICO - 9  805
EFX - FICO - 8  794
Approved - $12,500.00 ( balance transfer at $12,125.00)
APR -15.49%

 

PenFed Credit Card Application Approved - Credit Forum - CreditBoards

 

[nemo]

Target Mastercard auto-CLI $9k -> 9.5k.

 

They had been nagging me for months to update my income.  I finally got around to it (small increase, nothing significant), and they CLI'd me.

 

[MP80]

12 hours ago, MP80 said:

EFX - FICO - 9  805

Sorry, I got the score wrong!  Oops!  😜

Here's the official score from PenFed pulled from EFX...

812  

 

No installment loan really cost me badly, at least losing 15-20 points.

 

Edited June 14, 2021 by MP80

[chrishillson]

I have _never_ gotten an auto CLI, but last month when my BoA card was about a year old they increased the limit from $6k to $8k, and I just got another message it was increased to $12k.

[nemo]

4 hours ago, chrishillson said:

I have _never_ gotten an auto CLI, but last month when my BoA card was about a year old they increased the limit from $6k to $8k, and I just got another message it was increased to $12k.

Nice!  Congrats!

[cv91915]

Barclays Aviator Silver

 

+$25,000 to $75,000

 

This is now my second-highest single-card limit.

 

 

Edited June 23, 2021 by cv91915

[hegemony]

On 6/9/2021 at 2:06 PM, MP80 said:

NO. I get almost all Chase cards with "you already approved" status, except the United Club card. 

 

Honestly, I don't like Chase and its policies and business practice tactics. Well, let see what made me don't like them...

 

A- An unfriendly lender to all reputations risked customers.
B- 5% credit card cash advance limited.
C- Double-pull on every credit application.
D- Hard-pull on the credit line increases (again DP).
E- A RAT team potentially closed all your accounts without warning.

 

Wells Fargo is bad! Sync and Com are disgusting but, Chase is shrewd! Because Chase doesn't care they're the largest bank and half of all household in the US has an account with Chase. They're too big to fail.

 

Now, don't get me wrong, if you have good credit, Chase will come through for you and lend you substantial money to meet your needs. Otherwise, they are insatiable!  

FWIW chase is my favorite issuer by far. high limits, easy limit combos, and rewards that post as expected.

 

"hard" inquiries are not to be feared.

[cv91915]

Speaking of Chase and high limits...

 

 

TAD just got approved for the Amazon Prime card, issued by Chase.

 

Limit:  $5,000.   

 

This is his only Chase card.  

 

We closed his Marriott card earlier this year (had been in the $60k range thanks to combos, but they cut the limit in half in a pandemic-fueled credit panic).

[Skellington]

Got a pre-approval email for AMEX Gold, with a 75K SUB.  Applied, got it!  Can't wait to start using that bad boy!

[cv91915]

On 6/23/2021 at 7:11 AM, cv91915 said:

Speaking of Chase and high limits...

 

TAD just got approved for the Amazon Prime card, issued by Chase.

 

Limit:  $5,000.   

 

This is his only Chase card.  

 

We closed his Marriott card earlier this year (had been in the $60k range thanks to combos, but they cut the limit in half in a pandemic-fueled credit panic).

 

Now that the card is visible on Chase.com, the limit appears to be $50k.  Not $5k.

[pendleton94]

Saw on doc the CitiBusiness Thankyou card that I never heard of.  Applied in branch (only way to apply) and was approved for 3k!   
 

EQ 762 pull 0/6 2/12 3/24 new accounts.  46k income 

 

first ever business card.  No docs asked.  Declared 2k business income 

 

*forgot to add there is a current 40k TYP welcome offer right now 

Edited June 29, 2021 by pendleton94

[MP80]

On 6/23/2021 at 6:38 AM, hegemony said:

FWIW chase is my favorite issuer by far. high limits, easy limit combos, and rewards that post as expected.

 

"hard" inquiries are not to be feared.

Sorry, Hege...   I missed this post earlier to reply, or should I rebut to Chase bank draconian on cash advances?  

 

It used to be not like that. I recalled people applying for 8-9 credit accounts in a night. Without any balance chasing, account closure, and there is absolutely no adverse action taken by creditors whatsoever.  Nothing happened, despite your FICO score in the mid 600. I've said this before on another topic. People apply for 4 Citibank Advantage Airline Cards and apply for 3 Amex accounts, with a Charge, a Revolver, and a Line. Add on an MBNA Line, plus a USB Line, all in all, nothing happened. Now, that's inquiries shockproof!

 

At the time, Citibank's credit limit doesn't have a cash advance limit on the credit card. In fact, it's 100% cash available credit limit accessible. 

 

After the recession,  almost every bank, and most credit union, adopted this policy of obtaining 20% to 40% cash advance of the total credit limit on each credit card is the ongoing policy as of now.

 

Now, Chase even more paranoid, let you access to obtain only a total of 5% of your credit limit, Amex, too, ( a $9000 line merely $200 CA) schizophrenic of welcoming a customer to utilize the cash line option, they're afraid you take the money and run, go, away, bust out, or bankruptcy. That's why they eliminated the M$ activities all over town, shoots,  now everywhere. 

 

On an upside, kudos to PenFed! 100% accessible of obtaining your cash advance to your credit limit. So if you have a $50K credit line, you're can obtain it as cash.

Edited June 29, 2021 by MP80

[MP80]

4 hours ago, MP80 said:

Now, Chase even more paranoid, let you access to obtain only a total of 5% of your credit limit, Amex, too, ( a $9000 line merely $200 CA) schizophrenic of welcoming a customer to utilize the cash line option, they're afraid you take the money and run, go, away, bust out, or bankruptcy. That's why they eliminated the M$ activities all over town, shoots,  now everywhere. 

Everybody should remember this action taken by CHASE. This 5% on cash advance policy started in the Covid-19 pandemic. Another word FOAD if you're unemployed.

[StarkRaven$]

US Bank CLI from $5K to $10K. This is for my US Bank Cash cc. They pulled TU. Was not instant but found out today my request was approved. 

[hdporter]

State Bank (Elan) CLI from $19k to $24k.   Authorized hard pull, but decision popped up in a split second and there's been no inquiry alerts since.

Card has been open for 6 years now.  Only real activity, after the first year SUB purchases, is an annual renewal charge for $30 that hits in May.

 

< btw, just paid off my $1200 Best Buy purchase today because the first statement cuts in a couple of days.  Normally would have allowed to report to show evidence of use on my credit report, but no way was I going to let the card report at 60% util.  $2k CL saga "above" >

[TheVig]

Williams Sonoma Visa Sig $21,300 to $23,300

 

One last, easy CLI before, Cap1 takes over.

[hdporter]

8 hours ago, TheVig said:

Williams Sonoma Visa Sig $21,300 to $23,300

 

One last, easy CLI before, Cap1 takes over.

 

You prompted me to seek CLI's on my Pottery Barn and West Elm before they transition to Cap 1 as well.

 

Unfortunately, both accounts stated I was ineligible for a CLI at this time.  (based on past experience, I suspect they would put in a request if I consent to a hard pull.  Shying away since I may refi my mortgage this fall.)

 

PB CL is $10k, WE CL is $6k. Both accts used modestly in past year.  Total Comenity exposure is $46k (other Comenity card is Caesars Rewards w/ $30k).

[hegemony]

got my annual Elan Fidelity Visa +5,000 CLI (TU HARD)...by the time I'm 70 years old at this pace the card will be easier to use!!!

[hegemony]

I need to stop drinking...the limit is my lowest

 

 

Barclays Wyndham Earners+ Plus

Consumer State: NV

CRA: Trans Union

Approved: Yes

Score: 834

Credit Limit: 17000

Just now

[hegemony]

On 7/10/2021 at 1:14 PM, hegemony said:

I need to stop drinking...the limit is my lowest

 

 

Barclays Wyndham Earners+ Plus

Consumer State: NV

CRA: Trans Union

Approved: Yes

Score: 834

Credit Limit: 17000

Just now

I was wrong... it is my second lowest limit... I forgot about my punk limit with ICBC