hegemony Posted March 21 Posted March 21 On 3/16/2026 at 12:47 AM, MP80 said: On a separate topic, I say that Chase is more inclined than Capital One to lower credit limits. YMMV. Still sitting at ~175k in chase limits. Hardly use the highest of them (Hyatt, 95k). Spouse has 120k in limits and rarely uses either card. all I get from chase is preapprovals for Sapphire and invitations to let them manage money (we have zero invested with chase). FWIW, this may be my last year with the JPMR/Palladium card. Just not getting value as I'm mostly flying Delta. crap1 was quick to shrink limits a few years ago and stopped doing high limit combos. Chase recently added in-app "move your limit" option. I closed my 80 and 50k crap1 limits when they stopped combos. No value in their cards for my spending pattern. YMMV. ShawnPY1972 and MP80 2 Quote
supern8ural Posted March 25 Posted March 25 I was just pre-approved for $6k at 17.49% for the Apple Card. Do I accept? I don't think I really need another card, I really was just curious what they'd give me. BUT, diversification is good. There's no SUB for Apple Card is there? the no FTFs is appealing though now that Capital One has bought Discover. Quote
MP80 Posted March 26 Posted March 26 (edited) On 3/21/2026 at 8:13 AM, hegemony said: YMMV. Still sitting at ~175k in chase limits. Hardly use the highest of them (Hyatt, 95k). Spouse has 120k in limits and rarely uses either card. all I get from chase is preapprovals for Sapphire and invitations to let them manage money (we have zero invested with chase). FWIW, this may be my last year with the JPMR/Palladium card. Just not getting value as I'm mostly flying Delta. crap1 was quick to shrink limits a few years ago and stopped doing high limit combos. Chase recently added in-app "move your limit" option. I closed my 80 and 50k crap1 limits when they stopped combos. No value in their cards for my spending pattern. YMMV. Hege, are you one of the "1% of the 1%"—the ultra-wealthy elite? Your asset position at J.P. Morgan Chase is unique, and the firm has no intention of closing your account; after all, their business objective is to generate profit, not incur losses. The J.P. Morgan Reserve Card—formerly known as The Palladium Card—is far more than just a credit card; it is a symbol of wealth and prestige. Unlike credit cards, where membership is granted based solely on spending habits, the mere threshold for applying for this card requires an applicant to possess at least $10 million in investable assets. This card is available exclusively to clients of the J.P. Morgan Private Bank's wealth management program. The Palladium/Reserve Card is so exclusive that even the American Express "Centurion Card" appears relatively attainable by comparison. Many wealthy cardholders note that the Palladium/Reserve Card exudes a purer "private banking elite" aura—distinct from the "coupon booklet" style of cards that are cluttered with various promotional offers. It operates on a strictly invitation-only basis, is crafted from precious metals, and is inextricably linked to the cardholder's client relationship with J.P. Morgan Private Bank. It's included United Club lounge membership benefit alone serves as a major core attraction for frequent United Airlines travelers. Are you sure you want to close this card? I think you have to reconsider 3 times. Edited March 26 by MP80 quote Quote
scott31337 Posted March 28 Posted March 28 Are the HTTPS certificates broken here? I sent admin an email Quote
Kat58 Posted March 29 Posted March 29 On 3/28/2026 at 3:07 AM, scott31337 said: Are the HTTPS certificates broken here? I sent admin an email Congrats! hegemony 1 Quote
brainchasm Posted March 30 Posted March 30 Got my JTV card (Synchrony) to go from $5k to $10k just for asking online. I don't see a hard inquiry anywhere...I was probably frozen across all three when I did it. Good thing they always do the six month 0% deals...34.99% APR is some shenanigans (and no, I never pissed them off...just the nature of the beast I guess). Kat58, ShawnPY1972 and hegemony 3 Quote
supern8ural Posted April 30 Posted April 30 (edited) Costco Anywhere Visa was opened as a Citi Diamond Preferred was $500 opened 7/29/23 denied 2/27/24 "Serious Delinquency" denied 3/28/24, 4/30/24, 5/31/24, 6/30/24, 7/31/24, 8/30/24 "your account hasn't been open long enough to be considered for an increase." PC’d to Costco Anywhere Visa 9/19/24. Denied 10/8/24 "your account hasn't been open long enough to be considered for an increase." Approved for $1000 11/5/24. Approved for $2000 5/4/25. Approved for $4000 11/1/25. Approved for $5000 4/30/26. Really disappointed in this, I was hoping for $8k and hoped to eventually get it over $10k. I hope they do better on my Double Cash (can request increase in about a month) as I'm over 50% utilization right now, that's one of two cards I haven't zeroed out (also $4k CL) Also requested from Discover, not expecting one as that's been stuck at $10k for over a year but we will see. Edit: yep, "Recent use of this account's existing credit line has been too low." I have been using it more lately as this quarter's categories are actually useful, but I guess not enough for them. Edited April 30 by supern8ural Quote
ShawnPY1972 Posted May 18 Posted May 18 I got approved tonight for the new Shell MasterCard. $6,000 limit. I froze my TransUnion credit report to avoid the hard inquiry. MP80 and hegemony 2 Quote
MP80 Posted May 19 Posted May 19 21 hours ago, ShawnPY1972 said: I got approved tonight for the new Shell MasterCard. $6,000 limit. I froze my TransUnion credit report to avoid the hard inquiry. Is the issuer of your Shell Mastercard—First Bank & Trust, located in Brookings, South Dakota—the same institution that took over HSBC's Mastercard portfolio a few years ago? Quote
ShawnPY1972 Posted May 19 Posted May 19 17 hours ago, MP80 said: Is the issuer of your Shell Mastercard—First Bank & Trust, located in Brookings, South Dakota—the same institution that took over HSBC's Mastercard portfolio a few years ago? I do believe it is First Bank and Trust but I'm not sure about HSBC as I have not done business with them in about 20 years. MP80 1 Quote
StarkRaven$ Posted May 25 Posted May 25 Approved for US Bank Shield Visa card with CL $19K. They pulled EX. TheVig, hegemony, MP80 and 2 others 5 Quote
MP80 Posted May 26 Posted May 26 16 hours ago, StarkRaven$ said: Approved for US Bank Shield Visa card with CL $19K. They pulled EX. Congratulations! I’ve seen plenty of unlucky folks who were approved for a measly $500 credit limit from USBank. The rest of us spent years building our limits up to $20,000—and even then, to request a credit limit increase, we had to endure a completely gratuitous "hard pull" on our TransUnion credit report. StarkRaven$ 1 Quote
StarkRaven$ Posted May 26 Posted May 26 10 hours ago, MP80 said: Congratulations! I’ve seen plenty of unlucky folks who were approved for a measly $500 credit limit from USBank. The rest of us spent years building our limits up to $20,000—and even then, to request a credit limit increase, we had to endure a completely gratuitous "hard pull" on our TransUnion credit report. Well I have a perfect history with them for several years with the Cash Plus cc. Maybe that's why. MP80 1 Quote
supern8ural Posted May 28 Posted May 28 Citi Double Cash opened 8/30/2024 $500, approved 12/1/24 for $1000, approved 5/31/25 for $2k. Approved 11/28/2025 for $4k. Approved 5/27/2026 for $7k. Slowly but surely, getting them all there. Still would like more on my Costco Visa and Double Cash, but I have come a long way (both opened at $500 because I done pissed off Citi) I do have a current balance of almost $3k on the Double Cash right now, I don't know if that helped or not, but I just had a lot of expenses this month and loaded it up. Pure coincidence that I was coming up on 6 months since my last CLI. I have never carried a balance on either of these cards. I'm going to wait until the 31st to request another CLI from Discover but I am sure they will deny me as they do every month. hegemony and Kat58 2 Quote
brainchasm Posted June 3 Posted June 3 Close my 4yr old WF Reflect last month. Approved for a new Reflect yesterday. Approved for $1000, but that's ok. Once the card arrives, I'll have WF move 24k from my ActiveCash to the Reflect so I can do some BT magic. Easy peasy, lemon squeezy. Only pulled Equifax. Kat58 and hegemony 1 1 Quote
ShawnPY1972 Posted June 18 Posted June 18 On 3/5/2026 at 8:23 PM, ShawnPY1972 said: 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! I've already made three payments on this account and what's nice is it's not reporting to my credit report! Which makes me very happy because I really don't need it to report. I have excellent credit otherwise. Quote
supern8ural Posted June 19 Posted June 19 On 6/18/2026 at 12:56 AM, ShawnPY1972 said: I've already made three payments on this account and what's nice is it's not reporting to my credit report! Which makes me very happy because I really don't need it to report. I have excellent credit otherwise. My experience was the opposite. Was going to put a car repair bill on my AmEx card but lady at dealership offered 3 month 0% financing through Sunbit. Said it would be a soft pull. Well it was a hard (I had to unfreeze TU, I should have stopped at that point) and it did report on my credit, although only on TU. Not sure whether it really hurt me or not although I could have done without the hard pull. Quote
Allkindabroke Posted June 19 Posted June 19 On 3/16/2026 at 1:14 AM, hdporter said: Perhaps this is a factor for lower-to-mid tier credit scores, and not so much for the 750+ crowd My FICO’s were all above 800 at the time of the Chase CLD. It was more likely about utilization. The card was used monthly but rarely more than a few hundred dollars. Quote
Allkindabroke Posted June 19 Posted June 19 Approved APMEX Bullion Card (Visa Signature) $15k FICO 830 TU I typically don’t open retail cards but this one supports a hobby. Kat58 and hegemony 2 Quote
ShawnPY1972 Posted June 19 Posted June 19 9 hours ago, supern8ural said: My experience was the opposite. Was going to put a car repair bill on my AmEx card but lady at dealership offered 3 month 0% financing through Sunbit. Said it would be a soft pull. Well it was a hard (I had to unfreeze TU, I should have stopped at that point) and it did report on my credit, although only on TU. Not sure whether it really hurt me or not although I could have done without the hard pull. I froze my credit report prior to when I clicked on accepting their offer. Quote
supern8ural Posted June 24 Posted June 24 On 6/19/2026 at 7:10 PM, ShawnPY1972 said: I froze my credit report prior to when I clicked on accepting their (Sunbit) offer. Mine *was* frozen and was asked to unfreeze. I should have been smarter; I was just thinking they couldn't do even a soft pull because I didn't have a previous relationship but they did a hard. Live and learn. It hasn't affected my credit *too* much, but my scores are all just under 800 so that's kind of a psychological thing. Quote
ShawnPY1972 Posted July 4 Posted July 4 On 6/24/2026 at 11:05 AM, supern8ural said: Mine *was* frozen and was asked to unfreeze. I should have been smarter; I was just thinking they couldn't do even a soft pull because I didn't have a previous relationship but they did a hard. Live and learn. It hasn't affected my credit *too* much, but my scores are all just under 800 so that's kind of a psychological thing. I did the same thing with my accounts with imprint. I unfroze the reports and got the pre-approvals and prior to accepting the approvals I refroze my reports avoid any inquiries. I did that with three accounts with imprint all with no inquiries. Quote
PhoenixDown Posted July 8 Posted July 8 (edited) CSP approved with 24k credit line [100k signup bonus] i originally had the CSP when it first launched and downgraded to a Freedom about 4 years ago. I qualified for the sign up bonus! I am surprised at the credit limit as I thought I was capped out. This brings me to 70k and nearly matched my CSR. Edited July 8 by PhoenixDown Kat58 1 Quote
TheVig Posted July 9 Author Posted July 9 Amex Hilton Surpass. 150k Hilton points for $3k spend. $150 AF waived first year. PhoenixDown and Kat58 1 1 Quote
Allkindabroke Posted July 24 Posted July 24 On 6/19/2026 at 11:15 AM, Allkindabroke said: Approved APMEX Bullion Card (Visa Signature) $15k FICO 830 TU I typically don’t open retail cards but this one supports a hobby. This card raised my total CL to $306K. Synchrony Care Credit did a $7K CLD. The credit gatekeepers have spoken, $300k is my official ceiling. Quote
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