TheVig Posted January 1 Share Posted January 1 Happy New Year! Kat58, MarvBear and greendeh 1 2 Quote Link to comment Share on other sites More sharing options...
Krish Posted January 1 Share Posted January 1 4+ years of application hiatus. I wish there is something that I like. so far nothing interests me... hegemony 1 Quote Link to comment Share on other sites More sharing options...
NoMoreHate Posted January 2 Share Posted January 2 3 hours ago, Krish said: 4+ years of application hiatus. I wish there is something that I like. so far nothing interests me... PNC has a new 2% cash back on everything card. It is very similar to Wells Fargo's 2% cash back card except, well, PNC hasn't violated their customers the Wells Fargo has 😜 hegemony 1 Quote Link to comment Share on other sites More sharing options...
Krish Posted January 2 Share Posted January 2 13 hours ago, NoMoreHate said: PNC has a new 2% cash back on everything card. It is very similar to Wells Fargo's 2% cash back card except, well, PNC hasn't violated their customers the Wells Fargo has 😜 Let me check into this... Quote Link to comment Share on other sites More sharing options...
supern8ural Posted January 3 Share Posted January 3 On 1/1/2024 at 8:14 PM, NoMoreHate said: PNC has a new 2% cash back on everything card. It is very similar to Wells Fargo's 2% cash back card except, well, PNC hasn't violated their customers the Wells Fargo has 😜 I just looked it up and it also is a Visa with no FTF which is appealing... I have two no FTF cards but they're MC (Cap1) and Discover. Web site says "The applicant must be a PNC Online Banking user to apply online." but I have been considering getting another checking account anyway. Not going to apply for anything for a couple months as I'm just hitting the 6th statement on my newer cards so now I'm going to try to get my scores up (drop my util, as opposed to what I've done the last few months which is max out the two cards I'm targeting) and then try to get some CLIs before I get any new credit. Quote Link to comment Share on other sites More sharing options...
brainchasm Posted January 3 Share Posted January 3 Nothing here...keeping my head down until I'm under 4/24 on May 1, then we'll see what the world looks like. Quote Link to comment Share on other sites More sharing options...
NoMoreHate Posted January 4 Share Posted January 4 15 hours ago, supern8ural said: I just looked it up and it also is a Visa with no FTF which is appealing... I have two no FTF cards but they're MC (Cap1) and Discover. Web site says "The applicant must be a PNC Online Banking user to apply online." but I have been considering getting another checking account anyway. Not going to apply for anything for a couple months as I'm just hitting the 6th statement on my newer cards so now I'm going to try to get my scores up (drop my util, as opposed to what I've done the last few months which is max out the two cards I'm targeting) and then try to get some CLIs before I get any new credit. In many states they offer a High Yield Savings account that is paying 4.65% with no min balance for that rate. Quote Link to comment Share on other sites More sharing options...
supern8ural Posted January 4 Share Posted January 4 I've seen that, I don't really have enough saved to open another HYSA yet. I already have one with Barclay's that I've been putting all my recent savings into. I'm just nervous because I only have one actual checking account with BoA and I keep seeing stories about people inadvertently tripping fraud detection algorithms and getting shut down and am thinking having another checking account as a backup would be good. Quote Link to comment Share on other sites More sharing options...
Momof5 Posted January 6 Share Posted January 6 Amex BCE, $10K SL greendeh, TheVig, hegemony and 3 others 6 Quote Link to comment Share on other sites More sharing options...
greendeh Posted February 18 Share Posted February 18 In preparation of my upcoming summer land usage rent bill (A.K.A. Property Taxes) I have been keeping an eye on high value SUBs Tonight (morning) I found the Amex Marriott Bonvoy Business Credit Card with a $125 AF "Offer ends 03/20/2024" 5 Free Night Awards - each redemption level at or under 50,000 Marriott Bonvoy points after $8,000 spend within the first 6 months Would have preferred a $6k to $7k spend but $8k still works fine. No hard pull happened. Webpage spun for 5-10 seconds and said Approved! $30K SL I will say I wasn't sure I would be approved, and I SURE didn't expect a $30k out of the gate. get.randy, Krish, hegemony and 2 others 3 2 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted February 19 Share Posted February 19 Nothing to brag about, just reporting: $2,500 CLI with Capital One totaling a meager $4,700 CL. Last year I applied for this card because I was drawn to the union identifier on the card. What a let down. They approved me for only $2K which was my lowest by far CL of all my cards. It is what it is. greendeh, TheVig, Kat58 and 1 other 3 1 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted February 23 Share Posted February 23 On 2/19/2024 at 2:08 AM, StarkRaven$ said: Nothing to brag about, just reporting: $2,500 CLI with Capital One totaling a meager $4,700 CL. Last year I applied for this card because I was drawn to the union identifier on the card. What a let down. They approved me for only $2K which was my lowest by far CL of all my cards. It is what it is. Forgot to mention that both meager CLI’s did not result in any hard pulls. Though inquires don’t matter, I would have been a little torqued if Crap1 pulled my credit file. TheVig 1 Quote Link to comment Share on other sites More sharing options...
greendeh Posted February 23 Share Posted February 23 Chase Amazon Prime Gave me a $600 CLI two days ago. Be still my beating heart. My Amex Marriott Bonvoy Business arrived today. It sure seems like a cheap crackerjack box card. My cat Sylvesters Netspend card is cooler. Going to try some "Amex Card Polish" on it to see if I can get some luster. On 2/19/2024 at 5:08 AM, StarkRaven$ said: Nothing to brag about, just reporting: $2,500 CLI with Capital One totaling a meager $4,700 CL Capital One giving a CLI is braggable Kat58 1 Quote Link to comment Share on other sites More sharing options...
supern8ural Posted February 23 Share Posted February 23 1 hour ago, greendeh said: Capital One giving a CLI is braggable I got one, 10K to 14,500 on my Quicksilver at about 7 mos. last week. I was surprised at the opening CL alone as I've read that C1 is stingy, but I can deal with 10K let alone an easy CLI. Guess they're really "inscrutable" not stingy. I didn't post here because I'm going to be hitting up a couple more (Citi, maybe Chase, maybe my Macy's AmEx) in the next 2 weeks, will post a summary once they're all done and when I can confirm soft or hard pulls. I now have a new goal although apparently I've actually met it already; wanted to have my average CL per card >$10K as I've read that that's the best for insurance rates, and holy hell my auto insurance is killing me, hopefully they do an AR soft when I renew next. I've definitely gotten my credit way more in shape than it was 2 years ago, but my rates haven't gone down a dang bit yet. Now I'd like to get all my non-store cards (I don't care so much about the Macy's) to a usable level; my Discover is borderline at $5K (but it's just had a fresh CLI) and Citi is useless at $500. Kat58 and greendeh 1 1 Quote Link to comment Share on other sites More sharing options...
greendeh Posted February 24 Share Posted February 24 Paypal Cashback Mastercard Cli 8k to 10k hegemony, TheVig and Kat58 3 Quote Link to comment Share on other sites More sharing options...
geno5150 Posted March 8 Share Posted March 8 United Gateway through Chase. 22k. Enough bonus miles to get me to Gold and no AF. Kat58, hegemony, TheVig and 1 other 3 1 Quote Link to comment Share on other sites More sharing options...
greendeh Posted March 15 Share Posted March 15 So, I checked for preapproval for the Apple Card today. I have absolutely no use for the card so this was 100% out of curiosity of the credit limit they might offer. The only reason I can think of I would want it is because the titanium card is sleek. But this is far cooler for only $39 dollars. Handgrey - Kin No. 6 Titanium Key Hook SL Anyways, I was approved for the Apple Card. $3,000 SL 24.24% *Scoff* Hard pass click on the "No thank you" link. Quote Link to comment Share on other sites More sharing options...
greendeh Posted March 15 Share Posted March 15 I blame Apple Card for this. EverRatchet Titanium Ratcheting Keychain Multitool WedgieMT Titanium Multitool Titanium Keyring 5 Pack Quote Link to comment Share on other sites More sharing options...
brainchasm Posted March 19 Share Posted March 19 Pressing LUV buttans... BOFA with the surprise bump from $37,100 to $40,000 (asked for $50k). AMEX denied my BCP CLI (asked for $50k from $28k). WF makes you call, and I don't wanna. JPMC does the same last I checked. NFCU is maxed out until I upgrade the card. DSC said no this time. Same for Apple/GS. USAA wants hard pulls, and I am disinclined to acquiesce to their request. Oh! JTV/Synchrony went from $3750 to $5650! Be still my beating heart! Kat58 and greendeh 2 Quote Link to comment Share on other sites More sharing options...
Krish Posted March 19 Share Posted March 19 3 hours ago, brainchasm said: Pressing LUV buttans... BOFA with the surprise bump from $37,100 to $40,000 (asked for $50k). I didnt think BofA has a LUV button.. need to look for it now Quote Link to comment Share on other sites More sharing options...
supern8ural Posted March 19 Share Posted March 19 5 minutes ago, Krish said: I didnt think BofA has a LUV button.. need to look for it now It's really small and hard to find... no seriously if you log into your account and then go to your credit card, there's a link below Card Details and above Next Closing Date I have never hit it because my limit with them is over 30K, it's the one card I don't feel any need to increase Krish and greendeh 1 1 Quote Link to comment Share on other sites More sharing options...
greendeh Posted March 21 Share Posted March 21 On 3/19/2024 at 3:28 PM, brainchasm said: makes you call, and I don't wanna. JPMC does the same last I checked. At least for the Chase Amazon Prime there is a "Request a Credit Limit Increase" under the "More" drop down on the website. I have used it. Soft pull. Quote Link to comment Share on other sites More sharing options...
fixmycredit1977 Posted March 21 Share Posted March 21 Scores across all three average 650 Discover IT $10k ( had to do income verification) Ross Store Card $700 Venmo Visa $2000 TheVig, Kat58 and greendeh 2 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted March 23 Author Share Posted March 23 Not a new card. Just a product change. Citi AA MileUp MC to Citi Custom Cash. Whole process was easy. Less than a 5 minute phone call. greendeh 1 Quote Link to comment Share on other sites More sharing options...
scott31337 Posted March 26 Share Posted March 26 US Bank Triple Business Cash 4k TheVig, greendeh and Kat58 2 1 Quote Link to comment Share on other sites More sharing options...
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