stud007 Tracker

Re: HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Wed, 10 Oct 2012 01:35:05 GMT

seigex wrote:
dang you must be one hell of a lucky guy with CLI's

http://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-no-hardpull/m-p/1234539/highlight/true#M344579

two cards $15k to $20k CLI through NFCU w/ frozen reports after being denied a month prior.. i'm smelling a troll

***edit to delete mention of post since it was probably killed by mods***

U can smell a troll again after I mention to you that those cards are at 22k now each , still with frozen reports !!!! now u can start drooling.

Re: HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Wed, 10 Oct 2012 01:32:23 GMT

sccredit wrote:
nicholasyud wrote:
beb86 wrote:
http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1362707
+1 full of ***

I am not so quick to jump on that as CapOne did the same increase to my "Business Platinum" card through the Executive Office. However, I have 3 other cards with $10k limits but am not afraid to admit Chase only gave me $2,500 on my Freedom card....

Thanks !!!

Re: HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Tue, 09 Oct 2012 20:17:38 GMT

creditnocash wrote:
WOWWWWWWWWW!!!!!!!!

congrats.

whats the rest of your reports look like?
ive had my best buy decline me after 2 years of perfect service and history.

All my FICO scores are around 740

It was 620 when i got this card back in 2010, since then all the baddies have fallen and have steadily built my history with 2 amex cards backdated to 2001, and NFCU credit cards 2 of them at 22k , a local credit union card at 16k recently approved for chase united explorer card 10K

With that kind of profile I knew CapOne will have to give me a big increase! So i went for it

Re: HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Tue, 09 Oct 2012 20:13:56 GMT

Re: HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Tue, 09 Oct 2012 20:14:42 GMT

beb86 wrote:
http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1362707

That is what you say when you dont have a good credit profile and cant get good CLI and cards like I did, which BTW i did because of some good stuff that gets posts here, that is why thats the first line of my post.

I will post a screenshot to prove it , but I wont post a phone call recording of my call with capone if that is what some people expect here to prove my claim. So done with people like this here. They should eb kicked off the boards.

HOLY MOLY Cap ONE EXECUTIVE office $750-$10000 CLI

stud007 — Tue, 09 Oct 2012 17:22:34 GMT

Thanks first of all to these boards and all the members for educating others and sharing useful information.

So I emailed the CEO of cap one on thursday evening and got a call from a really nice lady on Friday afternoon.

I told her its been 2 years since I got this card and its been stuck at $750 and my credit profile is immaculate and I really want to keep this card because I want to use it when I travel and want to take advantage of the no foreign transaction fees as I travel a lot overseas.

Then she said she understands and will do whatever she can and pass my information to senior underwriters , takes down my employment, salary , and says it will be a soft pull.

Ask me what is the minimum I will take and the maximum , I said $5000 is min and max whatever they can offer me. she said she will put in 10,000 as the max.

She said she will follow up with me within a week, and to my suprise just got a call from her and she said your credit limit has been increased to $10000 IMMEDIATELY available. I was like thanks so much, It will be my primary card now .

So folks who really have a good credit profile and are eligible for increases get on the phone or email them (phone and email are widely available on this site and on google)

Chase united card Instant Approval 20K limit

stud007 — Mon, 08 Oct 2012 22:11:31 GMT

My DW applied for the chase united mileage explorer card last week and it was an instant approval showing $5K limit.

Got the card today and to our suprise the limit is $20K, which matches her USAA world card limit.

Cant believe chase gave her that limit considering they gave her just $400 on the slate card barely 10 months back and denied her for a freedom 2 times.

I dont get their underwriting policies.

We are very excited and it was a 65k targetted offer....so she went for it.

Pulled TU with a 768 fico AAOA 4.2 years

current cards

Slate $400

USAA $20,000

Citi $5500

Amex BLUE $6000 and DELTA $2000

Re: Applied for CLI starwood ..DENIED ...WIERD

stud007 — Thu, 04 Oct 2012 15:59:15 GMT

No I havent contacted them on phone yet for anything.

I have a $1000 limit and heavy usage almost 10k in a year now.

Maybe I will call them on phone next time for a CLI

Applied for CLI starwood ..DENIED ...WIERD

stud007 — Thu, 04 Oct 2012 15:30:43 GMT

I have a amex zync 2 years and a starwood card almost 1 year old...

I keep applying for CLI every month and comes back denied "reason past deragatory account"

I had an amex back in 2001 which went into collections and paid off in full.

How do I convince amex that I was irresponcible back then and Its wierd that they approved me for the cards and keep sending me pre approvals but cant CLI my starwood card.

Just got off the phone with Chase recon..need HELP

stud007 — Thu, 04 Oct 2012 15:32:21 GMT

So I applied for United explorer card last night and got the dreaded message saying will hear from us in writing within 30 days.

I called the recon line talked a nice gentleman , he said he will take a look and came back after a min saying it was denied due to past relationship with chase and says I had a slate card and United Plus card which were past due....I said I never had those cards before I swear and he started to look at my credit history and points out one of the cards showing was from 2003(it was First USA bank which chase took over ), I said I am sorry yes I had a card from them , but I was in college at the time and I did run into credit problems and I was irresponcible, then he went on to ask if it was paid, I said yes I have paid it over the years through collections.

Then he said ok i will need some information from you and I can reconsider it, asks me what limit do I need on the card , I said atleast 5k and up ,then takes my info puts me on hold for about 5 min, and comes back and says

"I have recommended this card for approval for 10K" you should hear back from us in 2 weeks.

Anybody had this situation, if so what were the results, Its driving me crazy please let me know my chances

Thanks

Re: Thank you Capital One Executive Office

stud007 — Wed, 26 Sep 2012 18:00:35 GMT

Congrats, Can you please email me the phone number and Email too, I am in the same boat as you . Thanks

Re: BofA CLI Question

stud007 — Tue, 05 Jun 2012 04:11:18 GMT

yes its true. you can call for instant decision or you can wait until a credit analyst takes a look and you might or might not get a cli.

hope this helps.

Re: Bank Of America Product Change?

stud007 — Sun, 27 May 2012 02:27:27 GMT

MontegoMack wrote:
Stud007,

Sure, it helps. Thanks.
Nw I know a bit about the process and it's good to know that it'll only be a soft pull, too.

With my stats and scores, I'd like to know if anyone could venture to say if I'd be approved.

With your scores i think you should have no problems especially if you have used the bofa card heavily. I used my secured card very heavily for the first year before it was unsecured. so i dared to ask them for a $4k CLI and i was suprised it was approved with 2 baddies stil reporting on my CR. My scores are still around 690 across all three boards and i have no recent lates or derogs in the past 2 years which might have helped them make a decision on approving my CLI.

Re: Bank Of America Product Change?

stud007 — Sun, 27 May 2012 02:07:38 GMT

Yes you can product change to a cash rewards card. You can do it by opening a chat window from your home banking page and letting the csr know you want a product change and they will let you know if your card is eligible for a product change.

I was in the same boat as you, started with a $1000 secured card which unsecured a year later asked for a cli to $4000 and it was approved 2 days later soft pull.

I product changed after a couple of months after getting CLI. hope this helps.

Travelocity AMEX a gem of a card!!!!!!!!!!!!!!!!go for it

stud007 — Sun, 13 May 2012 18:37:34 GMT

I applied for a travelocity amex in nov...instant decline ..called recon approved for $1000 after a review.( this one is the one with AF $39)

Get my $7500 bonus points= $100

Kept using the card heavily and pay in full every month. Fast forward to JAN 2012 called for CLI told them $1000 was not enough for a trip that was coming up.

A very generous lady listened to me and asked me how much i wanted , i said $5k , came back with $4500....i was delighted , only 2 months of use and a CLI.

Love barclays.

My points were already at 12,000 by then and in march made some bookings for my trips to europe maldives and India all through travelocity flights + hotels

charged around $8000 had to book seperately as limit was not enough for one transaction. Got 40,000 posted in 2 days !!!!!!!!!

and a 20,000 bonus points for spending $4000 on travelocity.

On top of that got a $50 coupon from travelocity and a price match as one of my flights was cheaper on orbitz. Used their price match guarentee policy.

All in all i have had this card for 6 months and i have almost 75000 points almost close to $1500 worth.

This is probably the best travel card available on earth i would say. I dont understand why its listed among the top travel cards. Who gives you 10% back on your travel??

and if it isnt the best price for any flight or hotel they will price match and give you $50 back. travelocity CSR was very efficient and fast issuing the refund for the price match and points post in a couple days after it gets charged unlike other cards where it can take a billing cycle or month sometimes.

I would say $39 annual fee is completely worth it.

I would like to know from other members their experiences or what flaws this card has and if i am missing something. so far this card has proved gold to me i wont lie.

Re: Can Amex Overnight A New Card?

stud007 — Wed, 02 May 2012 04:42:19 GMT

They will ,you have to call them and ask and its free.

I had my spg card overnighted to me by fedex.

Re: My Barclay CC was cancelled

stud007 — Mon, 05 Mar 2012 21:27:39 GMT

Barclays is not always ensitive to credit enquiries and new accounts.

It depends a lot on your credit history, If you have BK or you are rebuilding ofcourse any bank would have a **bleep** fit.

I am a prime example of how barclays would treat normally. I had 23 enquiries on TU when i applied for a barclays travelocity card and was initially declined online but on recon approved.

Next 3 months down the road asked for a CLI, was given one to $4500 by calling backdoor. Had 3 new accounts show up, was asked about it though and after an exaplanation was approved.

So barclays is not that harsh in my opinion. They are a great bank and they do have their own risk measurement policies in place. I think you should call that backdoor number and talk to somone and explain the new accounts .

Good luck

Re: I don't want the card!!

stud007 — Wed, 22 Feb 2012 03:50:45 GMT

If you dont activate the card, you wont have to pay the annual fee and your card will report to the credit bureau's as closed for next 10 years . You can also call them and cancel the card, they might offer to waive the annual fee.

Re: NFCU CLI..no hardpull

stud007 — Tue, 21 Feb 2012 00:49:53 GMT

its been 4 months since the cards have been open.

Yeah its very odd and i am surprised myself , i got a CLI with my reports frozen !!!

Re: Woohoo! Got Costco Amex, too! :)

stud007 — Tue, 21 Feb 2012 00:42:40 GMT

Congrats