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Contributor
kwinks
Posts: 78
Registered: ‎07-15-2012

Re: January 2013 - New Credit Card Approvals and CLIs

It was a hard pull on transunion I think. At least that's what credit karma said. I pressed the cli button on the website but my Internet browser shut down for some reason so I calthe and they asked why I wanted the increase and if I was still planning on pif every month...pretty easy process minus hp

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: January 2013 - New Credit Card Approvals and CLIs

[ Edited ]

chnceit - No, it would be another pull for the US Bank LOC.  That's what initiated my call to them about the LOC.  I thought for sure they could/would use the same pull from 2wks earlier.  I felt like the CSR was looking at the original pull because  she was telling me that I had nothing to worry about with being approved for the $15k LOC.

 

Almost forgot, got this same day I app'd for the USAA card last week.  BoA has been mail-offering me like crazy, so I went with it, before all of my new accounts had been reported.  US bank, DCU and Discover still not reporting.

 

Bank of America Cash rewards - $1500

 

Thanks for the kudos everybody, and congrats to all of you as well!


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

Re: January 2013 - New Credit Card Approvals and CLIs


chnceit wrote:

racer-x wrote:

1-6-13

 

NEW:

 

DCU Visa - $10k

US Bank Platinum Visa - $10K

DISCOVER IT - $1875

PAYPAL Extra MC - $1000

LOWES - $650

 

UPDATE to the list above:

 

USAA Mastercard - $6000

Cap One Visa  CLI - $500 to $5000

 

That's $34K in new credit. wow.  I'm  still in awe.

 

-I talked to US Bank the other day about their Premier LOC.  The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.

Stay tuned...


WOW!! Dude congrats! Thats huge! BTW Did US Bank use the same pull for your CC and LOC?


This was my recent experience:  First I did apply for USBank LOC, got it approved. Then I called the credit card dept and asked for a CLI based on the hard pull for LOC.  They said they dont have any way to do that as the under writing dept has control of it.  Then I called the UW folks and explained them the situation and asked for a $5000 CLI based on the recent HP. Two days later I have the requested CLI.  A total combined new credit of $19.5K with one HP!!!! I was so pumped!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

Re: January 2013 - New Credit Card Approvals and CLIs


crazysxycool wrote:

kwinks wrote:

Chase Sapphire Preferred 5000 CL

Amex Blue Cash Prefered 4500 CL

 

CLI on Bank of America Cash Rewards from 500 to 3000


Hi - was your Bank of America CLI a soft or hard pull?  I'm thinking about asking for an increase on mine.


It was a hard on TU for me.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: January 2013 - New Credit Card Approvals and CLIs


tennisfan78 wrote:

chnceit wrote:

racer-x wrote:

1-6-13

 

NEW:

 

DCU Visa - $10k

US Bank Platinum Visa - $10K

DISCOVER IT - $1875

PAYPAL Extra MC - $1000

LOWES - $650

 

UPDATE to the list above:

 

USAA Mastercard - $6000

Cap One Visa  CLI - $500 to $5000

 

That's $34K in new credit. wow.  I'm  still in awe.

 

-I talked to US Bank the other day about their Premier LOC.  The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.

Stay tuned...


WOW!! Dude congrats! Thats huge! BTW Did US Bank use the same pull for your CC and LOC?


This was my recent experience:  First I did apply for USBank LOC, got it approved. Then I called the credit card dept and asked for a CLI based on the hard pull for LOC.  They said they dont have any way to do that as the under writing dept has control of it.  Then I called the UW folks and explained them the situation and asked for a $5000 CLI based on the recent HP. Two days later I have the requested CLI.  A total combined new credit of $19.5K with one HP!!!! I was so pumped!!!


Thanks racer and tennis for the info and congrats on the success. I want to apply for a US bank product(s). But I will let my new accounts to grow :smileyhappy:


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: January 2013 - New Credit Card Approvals and CLIs

[ Edited ]

racer-x wrote:

1-6-13

 

NEW:

 

DCU Visa - $10k

US Bank Platinum Visa - $10K

DISCOVER IT - $1875

PAYPAL Extra MC - $1000

LOWES - $650

 

UPDATE to the list above:

 

USAA Mastercard - $6000

Cap One Visa  CLI - $500 to $5000

 

That's $34K in new credit. wow.  I'm  still in awe.

 

-I talked to US Bank the other day about their Premier LOC.  The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.

Stay tuned...

 

 

1-26-13:

 

After receiving an email from US Bank reminding me of my unfinished Premier LOC application, I went ahead and did it.

$15K instant online approval. 

 

I'm fiinto.

 

P.S.  I almost forgot about the BoA Cash Rewards for $1500.  Haven't received it yet.  Taking forever. 

 

Now I'm  completo.  lol


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: January 2013 - New Credit Card Approvals and CLIs

No new approvals for myself, as I'm happily sitting in the garden. But since I manage my DH's credit (with his complete knowledge and consent) and I've posted about it on this forum, I thought I'd go ahead and join in the fun on this thread...

 

For my DH... Chase Freedom MC, $1500 CL. The card just arrived yesterday! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

Re: January 2013 - New Credit Card Approvals and CLIs


racer-x wrote:

racer-x wrote:

1-6-13

 

NEW:

 

DCU Visa - $10k

US Bank Platinum Visa - $10K

DISCOVER IT - $1875

PAYPAL Extra MC - $1000

LOWES - $650

 

UPDATE to the list above:

 

USAA Mastercard - $6000

Cap One Visa  CLI - $500 to $5000

 

That's $34K in new credit. wow.  I'm  still in awe.

 

-I talked to US Bank the other day about their Premier LOC.  The CSR all but told me I had the $15K limit, just hit the button...I backed out of it, for the time being anyway.

Stay tuned...

 

 

1-26-13:

 

After receiving an email from US Bank reminding me of my unfinished Premier LOC application, I went ahead and did it.

$15K instant online approval. 

 

I'm fiinto.

 

P.S.  I almost forgot about the BoA Cash Rewards for $1500.  Haven't received it yet.  Taking forever. 

 

Now I'm  completo.  lol


Congrats!!!!!  That is awesome!!!!   what is your apr on US Bank LOC?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

Re: January 2013 - New Credit Card Approvals and CLIs

Last CA/Negative mark came off on my  EQ increasing my score to 743. Immediately when on an app binge and was able to refi my auto loan with USAA @ 3.74%, approved for Discover IT $1,500 CL after review (they also pulled TU which was still showing $9k CA) USAA AMEX, CITI AA, Chase United still pending! (Stupid fraud alert)



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: January 2013 - New Credit Card Approvals and CLIs

tennisfan - 9.25%-13.25% on the US Bank LOC

 

Thanks for the kudos everybody.  It's crazy to think that just 4 mos. ago I had (3) TL's with $1250 of available credit.  Now I'm pushing $55k of actual available credit, and nearly $70k in available credit reporting.

 

I need to start  using these things.  Having a tough time transitioning from cash to credit.  It took so long for me to rebuild it, that I'm now afraid to touch it. lol.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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