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New Contributor
Posts: 52
Registered: ‎05-09-2007
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Credit card shopping spree

[ Edited ]
Hello all,
 
After browsing through the forum, I've decided to go on a credit card shopping spree to see what I get.  My intention was to replace my subprime cards with prime ones.
 
Amex Gold Delta - 2K approved. Experian and Equifax pulled.
Amex Starwood - In process.  Hope I can get approved as well.
Discover Card - Declined.
Chase Freedom - Wait for 30 days response (probably declined) Experian pulled.
BoA Visa Platium - Declined. Experian Pulled.
Citi AA World Mastercard - 5k approved. Smiley Surprised Experian Pulled.
Hooters Mastercard - 1k - approved. TU pulled.
WashingMutual Visa Platium - 1.3k approved. TU pulled.
HSBC Platium - Declined after a soft inquiry recommended me for a 1% cash back card.  Angry Smiley Mad  Equifax pulled.
 
Question:  When I receive Amex and Citi, what would be the best way to request CLI upon activation?  Through customer service or online?
 
Thank you
 
Happy hunting.
 
 
 


Message Edited by Vu on 06-28-2007 11:33 AM

Starting Score: 580
Current Score: 580
Goal Score: 750


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Regular Contributor
Posts: 131
Registered: ‎05-06-2007
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Re: Credit card shopping spree

[ Edited ]
Citi are giving high CL. I applied online and they told me they don't make cc approval online. Sounds like I got denied and she tried to make it look good.

Message Edited by SGT_F on 06-28-2007 11:22 AM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Credit card shopping spree

Congrats!
Frequent Contributor
Posts: 337
Registered: ‎06-05-2007
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Re: Credit card shopping spree

What are you Fico scores?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Credit card shopping spree

AMEX seems to no longer be granting CLIs within 30 days of activation.
 
Be sure to follow Tuscani's Recon link and recon your denials.
Regular Contributor
Posts: 131
Registered: ‎05-06-2007
0

Re: Credit card shopping spree

EQ Fico 648 TU Fico 600 EX not sure 600-650
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Credit card shopping spree

Don't ask CITI for a CLI upon activation. They want to see at least six months payment history. You can ask, just expect to see a letter in your mailbox explaining what I already told you.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Credit card shopping spree



smallfry wrote:
Don't ask CITI for a CLI upon activation. They want to see at least six months payment history. You can ask, just expect to see a letter in your mailbox explaining what I already told you.


Doesn't hurt to try.. My wife got a Citi CLI on activation this week. I was astonished. The CLI almost doubled her CL.
New Contributor
Posts: 52
Registered: ‎06-09-2007
0

Re: Credit card shopping spree



Vu wrote:
Hello all,
After browsing through the forum, I've decided to go on a credit card shopping spree to see what I get. My intention was to replace my subprime cards with prime ones.
Amex Gold Delta - 2K approved. Experian and Equifax pulled.
Amex Starwood - In process. Hope I can get approved as well.
Discover Card - Declined.
Chase Freedom - Wait for 30 days response (probably declined) Experian pulled.
BoA Visa Platium - Declined. Experian Pulled.
Citi AA World Mastercard - 5k approved. Smiley Surprised Experian Pulled.
Hooters Mastercard - 1k - approved. TU pulled.
WashingMutual Visa Platium - 1.3k approved. TU pulled.
HSBC Platium - Declined after a soft inquiry recommended me for a 1% cash back card. Angry Smiley Mad Equifax pulled.
Question: When I receive Amex and Citi, what would be the best way to request CLI upon activation? Through customer service or online?
Thank you
Happy hunting.


Message Edited by Vu on 06-28-2007 11:33 AM




Congrats on your new approvals. I am waiting to close on my home to see if I will get some love also. Can you share your FICO scores please? Thanks
New Contributor
Posts: 52
Registered: ‎05-09-2007
0

Re: Credit card shopping spree

[ Edited ]
Sorry for not posting my scores, all 3 scores pulled today.
 
TU - 618
EX - 601
EQ - 601
 
My scores are low, I am very surprise with what I think as generous credit line.  I tried the score simulator, if I pay down my balance to 5% within 1 month, my scores will increase as much as 120 points.  That is a lot.
 
Tusc, could you please tell me when your wife request CLI upon activation with Citi, they pull another inquiry or just looking back at the credit report that was pulled for application and revaluate it?  Same as for Amex.

Too bad Amex no longer granting CLI upon activation. Smiley Sad


 



Message Edited by Vu on 06-28-2007 09:21 PM

Starting Score: 580
Current Score: 580
Goal Score: 750


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