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Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: App/CLI spree results! UPDATED!!!


youngandcreditwrthy wrote:

Citi always finds a reason to deny my tr*ck a*s!!!!!!

lol so awesome job on all of the Citi accounts!!!!!

congrats on the clis and new Amex too!!!!!

 

I love my BCE; she's a beaaauuutyyyy and people do a double take on 'er! Haha

 

and Chase doesn't seem to like granting clis. In the five years I've banked with them, they've given me one $300 cli on an old Slate account. My $5k Freedom did recently get maxed out though almost haha:-0

 

anyway...

Good luck!!!

 


Thanks for the congrats! Citi loves me for some reason lol... I'm not complaining! 

 

Still anxiously awaiting my new BCE and TY Preferred. I was hoping they would come today but no such luck. Next week for sure!  

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Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: App/CLI spree results! UPDATED!!!


youngandcreditwrthy wrote:

OMG!!!!! Compass does give big limits!!!!! They sent me a pre approved offer for 5.99% for 15 mos on bts and 5.99% for 12 months on purchases, then 17.24%!!!!! Damn, I would love another big limit card! Haha

 

Bern....how many inqs did you have? I have like 5 or so in the past year? 


Haha I just got the same preapproval!  I'm tempted... but I already have 3 new inquiries on TU so I'm hesitant. 

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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010

Re: App/CLI spree results! UPDATED!!!


starboundphoenix wrote:

Well, now I'm wondering if I will see a HP. Took a chance and asked for a $6K increase on my $6K limit for my Forward. Got an email a few minutes later saying I was approved and logged back in to see a shiny new $12K limit.

 

For comparison, I have had this card 6 months and haven't used it for a single purchase. Meanwhile, AMEX won't give me a cent increase on my $1.5 BCP limit. Just goes to show how different the banks are with their risk models.

 

-SB


Hi SB.  I took a chance last night and asked for a $4k CLI on my Citi TY but it wasn't instantly approved since I did it after midnight.  I got a message saying that it had to be reviewed by the credit department and I would get a response in 7-10 days or to check back in 30 mins to see if it was approved.  Nothing happened in 30 mins so I decided to go to bed.  Got up this morning and it was approved! :smileyhappy:  I still didn't get an email confirming it though.

Does anyone know if it is a HP or SP?  Is there a way to find out?


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


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Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: App/CLI spree results! UPDATED!!!

If it needed to be reviewed it's almost certainly a hard pull. Plus if it was soft it'd likely say that like it did with mine. Only way to find out is either if they tell you in the letter or email they will eventually send, or by pulling your credit reports.
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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010

Re: App/CLI spree results! UPDATED!!!


FloridaState12 wrote:
If it needed to be reviewed it's almost certainly a hard pull. Plus if it was soft it'd likely say that like it did with mine. Only way to find out is either if they tell you in the letter or email they will eventually send, or by pulling your credit reports.

I received the letter via email this morning but it doesn't say if it was a hard/soft pull.  I guess I'll call them to find out.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


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Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: App/CLI spree results! UPDATED!!!


FloridaState12 wrote:

It specifically said no credit report was used when I requested my increase. As soon as I hit submit a screen popped up and said was instantly approved for x amount with no credit report used.  There was an option to request more but since it was soft I decided to just take it. 

 

Let us know who they pull if it ends up being a HP. Congrats on the increase! That's huge! 


Well, I just got a myFICO alert. New inquiry from Citi. SOB. I knew it seemed too good to be true to get a CLI without a HP. 

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011

Re: App/CLI spree results! UPDATED!!!


starboundphoenix wrote:

FloridaState12 wrote:

It specifically said no credit report was used when I requested my increase. As soon as I hit submit a screen popped up and said was instantly approved for x amount with no credit report used.  There was an option to request more but since it was soft I decided to just take it. 

 

Let us know who they pull if it ends up being a HP. Congrats on the increase! That's huge! 


Well, I just got a myFICO alert. New inquiry from Citi. SOB. I knew it seemed too good to be true to get a CLI without a HP. 


Ouch. Yeah I figured if it didn't specifically say no credit report was used, it's safe to assume they used one. Still, you got a good increase! It could always be worse.

 

Who did they pull?

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Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: App/CLI spree results! UPDATED!!!


FloridaState12 wrote:

starboundphoenix wrote:

FloridaState12 wrote:

It specifically said no credit report was used when I requested my increase. As soon as I hit submit a screen popped up and said was instantly approved for x amount with no credit report used.  There was an option to request more but since it was soft I decided to just take it. 

 

Let us know who they pull if it ends up being a HP. Congrats on the increase! That's huge! 


Well, I just got a myFICO alert. New inquiry from Citi. SOB. I knew it seemed too good to be true to get a CLI without a HP. 


Ouch. Yeah I figured if it didn't specifically say no credit report was used, it's safe to assume they used one. Still, you got a good increase! It could always be worse.

 

Who did they pull?


Equifax. Since USAA stopped the unlimited updates, I haven't checked the others.

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Valued Contributor
Swapmeet
Posts: 1,312
Registered: ‎11-10-2012

Re: App/CLI spree results! UPDATED!!!

If you call USAA and tell them that you are wondering why they charge the same amount as they used to for much less service, then they will upgrade you back to unlimited report refreshing for 6 months at the same price. I just did it a couple weeks ago.

My Wallet: WalMart: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14

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