topic Re: Marvel Approval + CareCredit CLI in Credit Card Approvals

Marvel Approval + CareCredit CLI

Total80sKid — Tue, 12 Sep 2017 04:14:00 GMT

I applied for the Marvel MasterCard because my Transunion shot up to 779 today, so figured I might get a nice approval or could call in for a CLI like I have read many here do.

So I applied online and it went to a page that gave me a reference # and a phone # to call to complete my application.

I called and it was the fraud dept. just wanting to verify a few things.

I was approved for $2k.

Immediatly called the # posted on here to request a CLI. They couldn't find it in the system by my SSN or my other info, as I was not given an acct. #.

So I guess I will try to call back once I recieve that card. I would think a 779 TU should garner me a decent limit. I know when I was denied by amazon before my score was always out of date and since today it hit 779 from yesterdays 749, I think when they do CLI SP's, it uses a fresh SP.

Data Points:

TU: 779

Baddies: 0

Inquiries: 8

AAoA: 3yrs

Income: $42,700 (combined with roomies)

UTI: 17%

Payment History: 100%

**Knowing what my score and other info is, what do you think I may be approved for once I call back?

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When I was talking to Credit Solutions, she pulled up CareCredit for some reason after she told me she couldn't pull up the newly approved Marvel MC. So I went along with it, since it's a SP. Asked for $25k and was approved for $20k up from $9k. Not too shabby, though I'd rather it be on my Marvel Card.

It will also help my two cards with high UTI with BT's.

ETA:

Super proud of my fico scores! No idea why, but not complaining! They keep shooting up!

Re: Marvel Approval + CareCredit CLI

peghede — Tue, 12 Sep 2017 02:47:07 GMT

Congrats m8 . but be careful, thats how it starts with synchrony r.i.p and lexus nexus , marvel card is the red flag with them,then u ask for 25k . they keep logs of cli requests...if the stuff hits the fan..i told u so.

Re: Marvel Approval + CareCredit CLI

Gmood1 — Tue, 12 Sep 2017 02:50:38 GMT

Thats Awesome! Congrats

Re: Marvel Approval + CareCredit CLI

CreditCuriosity — Tue, 12 Sep 2017 03:05:52 GMT

@peghede wrote:
Congrats m8 . but be careful, thats how it starts with synchrony r.i.p and lexus nexus , marvel card is the red flag with them,then u ask for 25k . they keep logs of cli requests...if the stuff hits the fan..i told u so.

Agree especially if you are using "roomies" income as well.. If they hit you with the blue envelope they want just YOUR income. I would be happy with say 5k on the card and call it the day. Just my warning to you. Your scores are nice, but once again income is a huge factor especially with Sync. and they want your NET income like most creditors want gross like other creditors so that 40kish becomes 30k, etc.

Re: Marvel Approval + CareCredit CLI

Total80sKid — Tue, 12 Sep 2017 03:10:42 GMT

Thanks, guys!

So should I just leave everything alone then and hope for an auto CLI on the Marvel?

That Amazon ($10k) and CareCredit ($20k), are two of my biggest limits. CareCredit being $9.5k over my 2nd highest limit.

Re: Marvel Approval + CareCredit CLI

Anonymous — Tue, 12 Sep 2017 03:20:38 GMT

Congrats on the Approval and CLI!

Re: Marvel Approval + CareCredit CLI

CreditCuriosity — Tue, 12 Sep 2017 03:22:30 GMT

I would personally leave it alone.. Just my 2 cents no sense it poking the bear. Great score you want to keep them that way and not have the Amazon/Care Credit account open by not getting the blue envelope

Re: Marvel Approval + CareCredit CLI

peghede — Tue, 12 Sep 2017 03:34:18 GMT

lol m8, he already poke the "bear" (it's synchrony r.i.p not no bear) hope his lucky to fly some time before they hammer him like a nail.

i hate when people here (some are mod sad to say..) they go "call credit solutions ,ask for max ,bla bla bla, stupid advise and dumb.they never mention about the risk they take when they do dat.

Re: Marvel Approval + CareCredit CLI

Total80sKid — Tue, 12 Sep 2017 04:14:34 GMT

Geez, now I'm super worried.

The CareCredit was my first CLI request and I'm hoping it was notated that I actually called for the Marvel Card.

I only agreed to check on an increase for the CareCredit because at some point, I will use it for cosmetic dentristy.

Would it help if I don't activate the Marvel Card?

I'm really scared now.

Re: Marvel Approval + CareCredit CLI

pip3man — Tue, 12 Sep 2017 11:02:27 GMT

Man I don't believe asking for multiple CLI leads to being faced with SYNCB wrath cos if that was really the case my accounts would have been closed by now. Like I ask for CLI every day or two since God knows when and if they ever decide to close my accounts then so be it at least I don't owe them a penny.

Re: Marvel Approval + CareCredit CLI

Gmood1 — Tue, 12 Sep 2017 12:02:21 GMT

You'll be fine relax. I've asked for my fair share of CLIs as well. Haven't asked lately, not out of fear. Mainly because the limits are where I want them now. Synchrony isn't the only game in town. I don't worry about any of these cards. That's the number one reason not to put all of your eggs in one lender's basket. Diversify, Diversify, Diversify 😉

Re: Marvel Approval + CareCredit CLI

AverageJoesCredit — Tue, 12 Sep 2017 13:27:24 GMT

Big congrats T8K.

Your scores are fantastic and no reason not to celebrate. I think your fine. Just take a break and let them breathe. Good advice so far. Heres mine. With Synchrony, its nice to have they do help build your overall profile. Just maintain a pif mentality with them so that if you ever do get a blue you arent in the red and can close them yourselves if need be.

Definitely keep your profile diversified so you srent dependant upon one lender. Marvel is their top card so it will grow in time. 2k is actually a nice start. Youve done great so far. Always keep in mind your total exposure with Sync and where the limits will do the most good. Now, just keep bringin down your debt and youll be golden

Re: Marvel Approval + CareCredit CLI

MrsCHX — Tue, 12 Sep 2017 15:48:00 GMT

Agree that you're fine. But I would not personally use other people's income. I don't even use my spouse's income.

IMO with Synch focus on the cards you need/will use higher limits vs just trying to increase them all. I would love to get Amazon a little higher (it's at $5k) but would rather focus on Marvel ($8k) and Care Credit ($12k) so I'm done asking on my other Synch cards (TJ Maxx, AE and Walmart). So as much fun as it is to get those big limits that a good TU score gets you on Synch, try not to do too much, too fast.

My experience with Marvel is that it took time. My increase in scores didn't automatically net me higher limits. I got my card in February and got CLIs in May and August.

Re: Marvel Approval + CareCredit CLI

Anonymous — Tue, 12 Sep 2017 16:23:07 GMT

Not much to add here, but definitely lay off a bit. I have a real individual after tax income many times your claimed roomie income, and i only run 10K limit on that card. It's great for dining out and the occasional trip to Disneyland, but worthless otherwise. For sure, PIF ALL Synchrony accounts every month. The Amazon card is the crown jewel for me; I would hate for anything to happen to that.

Remember, this is a game and discretion is the better part of valour. Keep your head down and ALWAYS PIF SYNCHRONY..

Finally, your scores are looking super-pretty! Keep up the pressure, the 800's have a spot with your name on it! Congrats.

Re: Marvel Approval + CareCredit CLI

Total80sKid — Tue, 12 Sep 2017 20:25:37 GMT

Thank you guys for the constructive criticism and helpful suggestions.

This is why I love this board!

My scores were all in the 620's in May and I just looked at my Amazon monthly TU scores from the past and in April, I was at 598! No clue why more scores are suddenly jumping 30-40 points every few days.

Anyways, thank you all for the Synchrony help. I got my Amazon card to $10k a few days ago as that's all I wanted. I should have only asked for $15k on the CareCredit or wait til the Marvel card came and asked for the higher limit then.

I pay all of my cards now in full, except the two BT cards I have going right now.

So Marvel can give CLI's after awhile?

Thank you guys again!

Re: Marvel Approval + CareCredit CLI

Anonymous — Tue, 12 Sep 2017 20:37:30 GMT

Congrats! I think 2K is actually enough for this card. The interest rate will definitely deter you from wanting to carry a balance on it. My limit was 5K when I closed it (didn't request more) and it was more than enough.

Re: Marvel Approval + CareCredit CLI

CreditMagic7 — Tue, 12 Sep 2017 21:43:49 GMT

Like others said.

You chalk up the approval for a win and go with it for the long run.

They will grow your lines over time and may even spring some surprise good ones along the way too.

Congratulations!

Re: Marvel Approval + CareCredit CLI

AverageJoesCredit — Wed, 13 Sep 2017 00:32:01 GMT

Hey Total, give it 6 months to let things settle then give a call to CS on the Marvel. Way to go getting your Amazon to 10k, took me 4 ever