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Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Update - AMEX & CITI + AUTO CLI!!!

Hello again All :smileyhappy:

 

Been a few weeks and some good/bad stuff has gone on battle for Credit and myself

 

Bad

1) AMEX 3X denied due to "Low FICO score"

 

Good

1) Auto CLI Wal-Mart 800 -> 1,000

2) Paid off 3 cards (had been reporting around $30-60 for a few months love seeing $0 for first time in a while!)

 

Now for real questions

worth it to recon AMEX? I don't need a hit but Low FICO was very broad and I'm fairly certain the reason is my Discover card has HIGH UTIL due to school books (about $1,500 still on it)

 

Still havent received new MYBestBuy card, anyone who had before already get it?

 

I am as well wanting to CLI it to use for this upcoming holiday (rather have 24 months just in case)

Whats the approval odds and is there a new backdoor number for this?

 

Here's my current card info:

card/CL/Usage

 

Cap 1 - $1,300 - $0

Wal Mart - $1000 -  $0

AMEX BCE - $1,000 - $115.67

Freedom - $3,000 - $0

DiscoverIT - $2,500 - $1,504.00

 

I don't include BBY because it is not yet reporting..

I'm wanting to get the CLI before I add any purchases to it and it looks like the UTIL is bad

As of right now I am using AMEX only and PIF as I get the Discover down along with it.

BIG ISSUE - 9 INQUIRIES I believe total

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Established Contributor
Posts: 706
Registered: ‎08-14-2008
0

Re: Update - AMEX & CITI + AUTO CLI!!!

 


angelcred10 wrote:

Hello again All :smileyhappy:

 

Been a few weeks and some good/bad stuff has gone on battle for Credit and myself

 

Bad

1) AMEX 3X denied due to "Low FICO score"

 

Good

1) Auto CLI Wal-Mart 800 -> 1,000

2) Paid off 3 cards (had been reporting around $30-60 for a few months love seeing $0 for first time in a while!)

 

Now for real questions

worth it to recon AMEX? I don't need a hit but Low FICO was very broad and I'm fairly certain the reason is my Discover card has HIGH UTIL due to school books (about $1,500 still on it)

 

Still havent received new MYBestBuy card, anyone who had before already get it?

 

I am as well wanting to CLI it to use for this upcoming holiday (rather have 24 months just in case)

Whats the approval odds and is there a new backdoor number for this?

 

Here's my current card info:

card/CL/Usage

 

Cap 1 - $1,300 - $0

Wal Mart - $1000 -  $0

AMEX BCE - $1,000 - $115.67

Freedom - $3,000 - $0

DiscoverIT - $2,500 - $1,504.00

 

I don't include BBY because it is not yet reporting..

I'm wanting to get the CLI before I add any purchases to it and it looks like the UTIL is bad

As of right now I am using AMEX only and PIF as I get the Discover down along with it.

BIG ISSUE - 9 INQUIRIES I believe total


Congrats on the CLI you did get and paying off those balances...sure feels good!  As far as Amex goes, I'd just wait to pay down your util on Discover and then try it again.  I received my new MyBestBuy card in the mail a couple of days ago...looks kind of like the old one.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 24.5k, Discover 11.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, Capital One QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 12k, Sams MC 15k
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: Update - AMEX & CITI + AUTO CLI!!!

*bump*
Too early for you busy people Lexie, the lot of ya! lol
Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Update - AMEX & CITI + AUTO CLI!!!

Sorry I didn't get to you earlier.

Amex doesn't do recons on denied CLI's. The best thing is to address whatever issues and try again in 90+ days.

I do not have a BBY card so cannot help with those questions.
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: Update - AMEX & CITI + AUTO CLI!!!

Well, I bit the bullet and took a hit to try and get 2K on my BestBuy

They countered with 1.5K.. hardly seems worth it.

I think I'll try the backdoor number if I can get it increased with PS4 XboxOne and more importantly, gift for the father!!!

 

Is CITI usually good with this?

I figured a 2x increase seemed reasonable with my profile.

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Regular Contributor
Posts: 244
Registered: ‎09-04-2013
0

Re: Update - AMEX & CITI + AUTO CLI!!!

I was under the impression that they are not issuing new BB cards by default.



Starting Score: 676 CK 5/13. Current: 717 EX 6/15 -- Last App: 6/2014
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: Update - AMEX & CITI + AUTO CLI!!!

When I spoke to rep, the Credit Cards are all being given out between last week of October to Second Week of November

 

From work, I do know the actual MyBestBuy membership program (formerly Reward Zone) cards are not being re-sent out

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Established Contributor
Posts: 552
Registered: ‎09-28-2012
0

Re: Update - AMEX & CITI + AUTO CLI!!!

I recieved  a new one because I was one of lucky few who could register when the accounts switched to Citi. Also had them increase my cli from 750 -> 5000.  i already had several limits higher then that and low utuilization so your experience may vary.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


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