Master 2023 Approvals and CLIs Thread (Post Yours!)

[TheVig]

Happy Credit New Year!

[yungdhurt]

$10000 DCU Platinum card preapproval (I said yes!) 

 

CFNA Firestone card CLI from $2400 to $3200, along with news that the card is being converted from a store card to a co-branded MasterCard

[MP80]

4 hours ago, yungdhurt said:

$10000 DCU Platinum card preapproval (I said yes!) 

Is your pre-approval offered available in a yellow tab similar to the screenshots?

 

 

[PhoenixDown]

Citi Costco Card - 17k > 21k

Not to shabby!

[JasonK94Z]

$10000 DCU Platinum card preapproval (I said yes!) 
 
CFNA Firestone card CLI from $2400 to $3200, along with news that the card is being converted from a store card to a co-branded MasterCard

They increased my line from $1400 to $2800 today out of the blue. Firestone btw


Sent from my iPhone using Tapatalk

[8ball]

I will be getting a new IPhone one of these days so I went ahead and applied for the Apple card. Approved with a $9,000 starting limit. It's been 5 years since BK so I was happy with this.

[MP80]

13 hours ago, 8ball said:

Approved with a $9,000 starting limit. It's been 5 years since BK so I was happy with this.

Oh wow! BK reporting? GS may be loose, you see, Goldman is pulling around to inquire about your creditworthiness, combining reports from 5 to 6 bureaus.

 

I think it's TransUnion as a primary entity that's pulling all the combined bureaus, but you need to check them individually.

(TransUnion, Sagestream, Innovis, CoreLogic, ChexSystems, and perhaps Lexis Nexis)

Edited January 13, 2023 by MP80

[mattbta]

Citi DC after request (soft pull), $5k CLI to 34.5K.

[TheVig]

Amex Blue Business Plus 15,000 MR for $3k spend.

Earns 2x MR on everything for the first $50,000 every year, then 1x MR after that.

 

$10,000 CL. Instant approval. No theft of existing card limits.

[MP80]

12 hours ago, TheVig said:

Amex Blue Business Plus 15,000 MR for $3k spend.

Earns 2x MR on everything for the first $50,000 every year, then 1x MR after that.

 

$10,000 CL. Instant approval. No theft of existing card limits.

WTG! Building business credit is a very different approach than building personal credit.

 

May I ask what type of structure code? Sole Prop, LLC or S-Corp.  Are you willing to pledge as a PG?

 

American Express is your best starting point for choosing the type of curated product that fits your business needs. Of course, Chase was next to apply.

[TheVig]

5 hours ago, MP80 said:

WTG! Building business credit is a very different approach than building personal credit.

 

May I ask what type of structure code? Sole Prop, LLC or S-Corp.  Are you willing to pledge as a PG?

 

American Express is your best starting point for choosing the type of curated product that fits your business needs. Of course, Chase was next to apply.

Sole proprietorship is what I used. Amex only requires a SS# when applying for a business credit card as a sole proprietorship. Other types require an EIN. 
 

Then there is their corporate products, which is different from their business products. Those cards are a different process that may require alien abduction and anal probes into your finances. 
 

In short, you really don’t need a business to get a business credit card. 
 

As far as building personal or business credit. For me that wasn’t the goal. I just wanted a flat 2x MR earning card for non-category spend that had no AF. Gold and BBP will be my MR earning one two punch. Kinda like my Citi TYP setup. Premier/DC. 
 

Because of my existing relationship with Amex, the app was a SP. 
 

When the timing is right, I will add a Chase Ink to the mix. 

[MP80]

NFCU CLI > $19,000.00 Approved

 

Profile stats

Equifax Bureau- SP
FICO 9 score- 791
INQ- 1
UTI< 1%

[Allkindabroke]

SDFCU premium cash visa auto cli 45K>$49K 

Edited January 24, 2023 by Allkindabroke

[RehabbingANDBlabbing]

I got DH approved for a Venmo Visa for $500 and a PayPal Cashback Mastercard for $300. Both useful cards. His scores are still on the upswing, currently sitting around 630-650 FICO8. However, his negative items all fall of this year, so I am confident these two will grow.

[brainchasm]

On 1/16/2023 at 1:46 AM, TheVig said:

Sole proprietorship is what I used. Amex only requires a SS# when applying for a business credit card as a sole proprietorship. Other types require an EIN. 
 

Then there is their corporate products, which is different from their business products. Those cards are a different process that may require alien abduction and anal probes into your finances. 
 

In short, you really don’t need a business to get a business credit card. 
 

As far as building personal or business credit. For me that wasn’t the goal. I just wanted a flat 2x MR earning card for non-category spend that had no AF. Gold and BBP will be my MR earning one two punch. Kinda like my Citi TYP setup. Premier/DC. 
 

Because of my existing relationship with Amex, the app was a SP. 
 

When the timing is right, I will add a Chase Ink to the mix. 

Getting an EIN as a sole-prop is breathtakingly easy though, as far as I remember it.

 

[TheVig]

10 minutes ago, brainchasm said:

Getting an EIN as a sole-prop is breathtakingly easy though, as far as I remember it.

 

Takes less than 10 on the IRS website. 

[swimmingwithsharks]

On 1/23/2023 at 5:59 PM, Allkindabroke said:

SDFCU premium cash visa auto cli 45K>$49K 

My letter came in the mail today, unexpected and unsolicited CLI, SDFCU premium cash back visa, $30k -> $35k!

 

I was surprised. This is now my highest CL (now above the $31k card at BoA). My SDFCU visa has been open 1 year. This is the first CLI there since opening, and I've never asked SDFCU for one.

[brainchasm]

Saw a pre-approval for the 150000 MR AMEX Platinum offer, so I bit.  I got travel coming up, my P2 has more travel than me coming up, and $6000 spend in six months is easy enough to do.  Easily approved, and now I have lounge accesses again, plus all the ancillary bennies.

 

[Najus]

Amex Blue Business Plus approval $10k.

[mppaul271]

Nav

On 1/31/2023 at 1:46 PM, Najus said:

Amex Blue Business Plus approval $10k.

Congratulations on your approval 🎉🎉🎉

[mppaul271]

On 1/13/2023 at 10:03 PM, mattbta said:

Citi DC after request (soft pull), $5k CLI to 34.5K.

Congratulations on your CLI 🎉🎉🎉

[brainchasm]

Discover luv buttan:  34k to 36k

 

Thanks to CB for the reminder!

 

[TheVig]

Auto CLI. $4k to $10.5k.

 

The card is being converted to a MC sometime in March or April. This is being done automatically for card holders in good standing. At least now, I will be able to buy pencils with it instead of blinker fluid. No idea what the rewards will be.

 

 

 

[chrishillson]

Finally got a counter from BoA for a CLI request.

 

Total credit line requested: $50,000.00

Your new total credit line is $47,500.00

[Aglet]

Big steps in my rebuild!

 

February - NFCU Visa cashRewards, $20,000 via prequal button.

March - Synchrony Venmo Visa, $20,000 via email offer.

 

Both pulled TU. 

Inqs were 2 and then 3, Util ~30%

6 settled COs, DOFD 11/2018.

Vantage skore 708 and then 717.