2026 Approvals and CLIs thread

[TheVig]

Happy New Year! May your cups runneth over with big credit limits.

[TheVig]

Bilt Obsidian card. $95 AF. $24k Instant approval. Soft pull, since I’m an existing card holder. 

[ShawnPY1972]

45 minutes ago, TheVig said:

Bilt Obsidian card. $95 AF. $24k Instant approval. Soft pull, since I’m an existing card holder. 

 

What credit bureau was the soft pull from?

Edited January 16 by ShawnPY1972

[hdporter]

Citi AA Globe.   90k Aadvantage mile SUB ($5k spend).  $299 AF.

 

Instant approval.  $26.5k CL.

 

Proactive application.  Existing Barclays AA Aviator Silver card to be transferred to Citi (no SUB).  AA Globe is the closest card on par.

 

Surprised by the instant approval; a CLI req on my Citi Double Cash in Nov was declined due to too many recent inquiries.  (Present profile isn't much different)

 

 

[ShawnPY1972]

2 hours ago, hdporter said:

Citi AA Globe.   90k Aadvantage mile SUB ($5k spend).  $299 AF.

 

Instant approval.  $26.5k CL.

 

Proactive application.  Existing Barclays AA Aviator Silver card to be transferred to Citi (no SUB).  AA Globe is the closest card on par.

 

Surprised by the instant approval; a CLI req on my Citi Double Cash in Nov was declined due to too many recent inquiries.  (Present profile isn't much different)

 

 

 

That's an awesome credit line!  

[hdporter]

On 1/15/2026 at 9:12 PM, ShawnPY1972 said:

 

That's an awesome credit line!  

 

Agreed.  This will be a PIF card with monthly charges rarely exceeding $1k.  So the line is tailor made.

 

It's a relief that they didn't nickel and dime me out the starting gate (like some issuers have), leaving me to beg for CLI installments over a year +, in order to achieve a workable limit.

 

Still not sure why Citi keeps dicking over my CLI requests on my Double Cash.  CL has been at $15k for 5 years with a decline at every request.  I charge $100-$400 every month.

 

That's ok; a decent AA CL is more useful at the moment.

 

 

[ShawnPY1972]

9 hours ago, hdporter said:

 

Agreed.  This will be a PIF card with monthly charges rarely exceeding $1k.  So the line is tailor made.

 

It's a relief that they didn't nickel and dime me out the starting gate (like some issuers have), leaving me to beg for CLI installments over a year +, in order to achieve a workable limit.

 

Still not sure why Citi keeps dicking over my CLI requests on my Double Cash.  CL has been at $15k for 5 years with a decline at every request.  I charge $100-$400 every month.

 

That's ok; a decent AA CL is more useful at the moment.

 

 

 

Citibank does the same thing to me.  I've been at $9,500 and I pay in full every month and they still deny me.

[ShawnPY1972]

Hit the credit line increase button on my Navy card. It was approved for an additional $8,000.

Edited January 17 by ShawnPY1972

[TheVig]

On 1/15/2026 at 9:01 PM, ShawnPY1972 said:

 

What credit bureau was the soft pull from?

 

I haven't looked. Had it been a HP, I would have gotten a dozen or so alerts. I do know first time applicants do get hard pulls. Who they pull is YMMV. It could be from any of the big 3. Cardless is the servicer, but Column is the new bank. From what I can gather, Column doesn't want to see any derogatories, high utilizations, or a ton of inquiries. They do seem to over look inquiries, if you have a clean, well seasoned credit report.

[supern8ural]

On 1/17/2026 at 12:02 PM, ShawnPY1972 said:

 

Citibank does the same thing to me.  I've been at $9,500 and I pay in full every month and they still deny me.

 

heh.  They don't like me because of some stuff that happened ~8 years ago, but even so, it took forever to get an initial CLI on my Costco Visa (opened ~2.5 years ago) I started at $500 and while they've been doubling my CL every 6 months when I request, it's still only at $4k.  Same exact thing with a Double Cash which I apped for more recently when my credit scores were much better, nope, $500 starting, currently $4k.  Both will be eligible for another one in May...  So, while they don't lock you out, they definitely have a long memory.

 

As all my other cards are >$10k and many >$20k, and I am getting the impression that I'm topped out with many of the issuers, I probably won't have a lot to post here this year other than hopefully Citi, unless I decide to open another account.

[ShawnPY1972]

On 1/18/2026 at 8:04 AM, TheVig said:

 

I haven't looked. Had it been a HP, I would have gotten a dozen or so alerts. I do know first time applicants do get hard pulls. Who they pull is YMMV. It could be from any of the big 3. Cardless is the servicer, but Column is the new bank. From what I can gather, Column doesn't want to see any derogatories, high utilizations, or a ton of inquiries. They do seem to over look inquiries, if you have a clean, well seasoned credit report.

 

I saw a story on the internet that the editor of that blog complained because he applied for the card and was upset that he got a hard inquiry and only received a $25,000 credit line.  He was upset because his Wells Fargo card had a $50,000 credit line.  Lol. I'd be happy with 25,000.  😁

[supern8ural]

Figured I'd try Discover again today with a little more hope than usual now that they've migrated to Capital One, but I'll apparently receive a decision in a couple days which I assume means that I'm stuck at the same $10k limit that I've been at for over a year...

[ShawnPY1972]

I got the PayPal World MasterCard with a $10,000 limit.  This an accident!  To be honest I thought that they were going to give me an option if I wanted to accept the approval but they didn't. They just set up the account.  I wanted to see how much I was approved for. I didn't intend to accept ANY offer at this point, but at least it was a good size limit.

Edited February 1 by ShawnPY1972

[supern8ural]

On 1/31/2026 at 10:57 AM, supern8ural said:

Figured I'd try Discover again today with a little more hope than usual now that they've migrated to Capital One, but I'll apparently receive a decision in a couple days which I assume means that I'm stuck at the same $10k limit that I've been at for over a year...

 

"Your request can’t be processed at this time due to account migration"

 

Well, since Cap1 seems to like me maybe next month?  my Savor got to $24k before I stopped asking.

[hegemony]

costco chiti card + $1,000 via majik app button. 

[ShawnPY1972]

Got approved for the Fetch American Express Card today for $15,000.  I freezed my credit report to avoid the HP inquiry!   😁😁😁

Edited February 22 by ShawnPY1972

[ShawnPY1972]

I pressed the love button on my Bread American Express Card.  They gave me an additional $1,500 to $5,600.  No hard pull.

 

I use my card quite often and I'm always paying in full every month. Usually charging at least $1,000 a month or more.  To be honest I was expecting more.  I was a bit disappointed.  But at least I got something.

[PhoenixDown]

Discover gave me an unsolicited CLI of 3k to $16,800

[supern8ural]

On 2/9/2026 at 3:07 PM, supern8ural said:

 

"Your request can’t be processed at this time due to account migration"

 

Well, since Cap1 seems to like me maybe next month?  my Savor got to $24k before I stopped asking.

 

Nope.  Hit the button yesterday and got this again

• Recent use of this account's existing credit line has been too low
 

To be fair, I never have more than $1k of 5% category spend every month, and typically if I need to use an out-of-category card other than my Double Cash for a purchase I'll put it on my CFU because it has a high limit and 1.5% catch all.  Or my BoA CCR for the same reason, although I'm apparently being downgraded to 1.25% (but not until next year) thanks to their new changes.

Edited March 1 by supern8ural

[ShawnPY1972]

I got approved for Sunbit dental financing in the amount of $8,500.00.  They pulled TransUnion and prior to final approval I froze my credit report to avoid a hard pull.  I got 0% interest!

[PhoenixDown]

Applied and approved for the Amex Brilliant (Marriott) card with 200k sign up bonus and 10k limit.

• Originally applied with the normal Amex link. Approved but denied the sign up bonus.
• Only Marriott card I have is the original SPG now Bonvoy via Amex.
• Applied again using the Doctor of Credit link with No Lifetime Language and was approved with sign up bonus.

 

On a side note, this is the first time I was given the option to add the card to my digital wallet and the card number right away.  

Edited March 14 by PhoenixDown

[Allkindabroke]

Chase Amazon card CLD from $10,700 to $5350.  Combined CL's is down to $299.8K.  I have accepted that I'm never going to stay above $300K for very long. 

 

We periodically review customer accounts to make sure credit lines match their spending needs. During a recent review of your account and credit history, we noticed that your overall card usage with Chase and other issuers is low, as a result, we have lowered your credit limit to $5,350.00.
 
 
We have included details about the credit bureau we used to make this decision at the end of this email. This still allows you to use the card as you have in the past. This change also impacts any other cardholders who have access to the account so all parties should be made aware. After this change, we’re unable to increase your limit without also reviewing your credit report. This credit report review would be a soft inquiry bureau review.

[MP80]

1 hour ago, Allkindabroke said:

Chase Amazon card CLD from $10,700 to $5350. 

On a separate topic, I say that Chase is more inclined than Capital One to lower credit limits.

 

Last year, a Chase credit card holder posted a warning on a relevant credit forum, noting that Chase had recently made changes to its credit risk exposure policies.

 

The crucial point is that Chase has implemented Credit Limit Decreases (CLDs) on its line of Amazon credit cards. This move appears somewhat perplexing; after all, Chase typically grants exceptionally high credit limits to all Amazon cardholders—precisely to ensure that Amazon remains under its fold rather than switching to another card issuer.

 

 

 

 

Edited March 16 by MP80
ETA

[hdporter]

2 hours ago, MP80 said:

On a separate topic, I say that Chase is more inclined than Capital One to lower credit limits.

 

I won't argue your experience in this regard.  But wife and I continue to enjoy a strong Chase CL's across our cards ($117k comb).

 

Perhaps this is a factor for lower-to-mid tier credit scores, and not so much for the 750+ crowd.

 

I'm amused by your juxtaposition w/ Cap One.  On our case, C1 has been down right miserly on the CL front over the years (I'll acknowledge that Hege, among others, report higher C1 limits, though.)

[MP80]

37 minutes ago, hdporter said:

Perhaps this is a factor for lower-to-mid tier credit scores, and not so much for the 750+ crowd.

I fully agree with your assessment that individuals with a FICO 8 score below 750 face a potential risk of a Credit Limit Decrease (CLD); this is indeed a common practice adopted by most—if not all—lenders.

 

Personally, aside from receiving a preemptive notification from Capital One regarding an anticipated limit reduction, I have not yet experienced a CLD imposed by any of my creditors. However, after calling Capital One to request an "opt-out" from the review process, I successfully retained my original credit limit. That’s right—so far, no institution has treated me unfairly; my credit score is quite good, and I carry no outstanding debt.

 

Hege, I recall that a few years ago, he had his Capital One account, which carried a credit limit of $80,000, of course, voluntarily closed; the reason provided was that they do not offer a service for consolidating credit limits. Additionally, his over $50,000 Discover credit card account was also closed voluntarily.