topic Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3 in Credit Card Approvals

Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 03:12:07 GMT

Lazy Saturday morning means -- let's get some CLI!

Off to my five Synch accounts I went:

Care Credit: YES to 6000 CLI request from 9K to 15K. Asked for 20K but NO. This is the 4th CLI (6/25 x 2; 9/20) since account opened for 1K on June 2018.

Conn's : NO; last CLI was Sept 20th.

JC Penney: NO; last CLI was Oct 8th.

Lowes: YES to 15K CLI to 25K. This is 2nd CLI (first was on 9/17) since account opened for 2K on Sept 17th. Was tempted but did not ask for the 35K -- I want to save something for January.

Walmart: NO; last CLI was Oct 3rd.

Interesting that the same lender will approve 25K on one card but not 10K on another. Surely the underwriting criteria varies from one store brand to the other, which maybe serves as a sort of microcosm for the variety of outcomes the same applicant can achieve across a variety of bank lenders (Cap1, Amex, Disco, Chase, etc). I guess the uncertainty is part of what makes the credit game exciting (I know I know, it's NOT A GAME. Yet ...)

Current Fico 08's are EX 724; TU 752; EQ 752

Overall Utilization <4% with 0% purchase balances remaining on Lowes and Conns equaling about 2K.

Note: I used the Care Credit card for the 1st time about 2 weeks ago -- medicine for < $10. I don't know if it mattered, but it's still a DP.

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

AverageJoesCredit — Sat, 17 Nov 2018 23:32:39 GMT

Nice shot James🏀😋

Any data points?......😋😁

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

atst2000 — Sun, 18 Nov 2018 00:28:44 GMT

Congrats on the CLI’s. Did you do this through CS or luv button online?

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 03:10:24 GMT

@atst2000 wrote:
Congrats on the CLI’s. Did you do this through CS or luv button online?

Thank you, atst2000. All were done online. I only ever call when there's no other way, or for a Disco Double.

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 13:04:42 GMT

@AverageJoesCredit wrote:
... Any data points?......😋😁

I'm guessing this comment is meant to be interpretted as humorous but I'm not getting it -- maybe you can spell it out for me? I like a laugh as much as the next person and hate to feel like I'm missing out.

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Remedios — Sun, 18 Nov 2018 05:30:14 GMT

James, on Wally, its every 120 days.

Mark your calendar lol

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Remedios — Sun, 18 Nov 2018 05:31:14 GMT

Oh and congrats

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

blindambition — Sun, 18 Nov 2018 05:35:21 GMT

@Anonymous wrote:
Lazy Saturday morning means -- let's get some CLI!
Off to my five Synch accounts I went:

Care Credit: YES to 6000 CLI request from 9K to 15K. Asked for 20K but NO. This is the 4th CLI (6/25 x 2; 9/20) since account opened for 1K on June 2018.
Conn's : NO; last CLI was Sept 20th.
JC Penney: NO; last CLI was Oct 8th.
Lowes: YES to 15K CLI to 25K. This is 2nd CLI (first was on 9/17) since account opened for 2K on Sept 17th. Was tempted but did not ask for the 35K -- I want to save something for January.
Walmart: NO; last CLI was Oct 3rd.

Interesting that the same lender will approve 25K on one card but not 10K on another. Surely the underwriting criteria varies from one store brand to the other, which maybe serves as a sort of microcosm for the variety of outcomes the same applicant can achieve across a variety of bank lenders (Cap1, Amex, Disco, Chase, etc). I guess the uncertainty is part of what makes the credit game exciting (I know I know, it's NOT A GAME. Yet ...)

Current Fico 08's are EX 724; TU 752; EQ 752
Overall Utilization <4% with 0% purchase balances remaining on Lowes and Conns equaling about 2K.
Note: I used the Care Credit card for the 1st time about 2 weeks ago -- medicine for < $10. I don't know if it mattered, but it's still a DP.

Congrats! Along with the new Propel. Good month for you. 😀

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 13:07:24 GMT

@Remedios wrote:
James, on Wally, its every 120 days.
Mark your calendar lol

Interesting, I hadn't read that (or if I had I'd since forgotten). But my calendar is now marked. Thank you.

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 17:05:06 GMT

@blindambition wrote
Congrats! Along with the new Propel. Good month for you. 😀

Thank you, ba. It has been a productive month. And it's not over -- a lot of month still left!

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Sun, 18 Nov 2018 17:12:33 GMT

Congrats on your CLIs :-)

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

AverageJoesCredit — Sun, 18 Nov 2018 18:20:06 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
... Any data points?......😋😁
I'm guessing this comment is meant to be interpretted as humorous but I'm not getting it -- maybe you can spell it out for me? I like a laugh as much as the next person and hate to feel like I'm missing out.

A N Y D A T A P O I N T S 😏

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Mon, 19 Nov 2018 00:33:31 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
@AverageJoesCredit wrote:
... Any data points?......😋😁
I'm guessing this comment is meant to be interpretted as humorous but I'm not getting it -- maybe you can spell it out for me? I like a laugh as much as the next person and hate to feel like I'm missing out.
A N Y D A T A P O I N T S 😏

The OP contains several DPs. You wanted different ones?

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

19eighty5 — Mon, 19 Nov 2018 02:12:37 GMT

Congratulations!

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Tue, 20 Nov 2018 18:15:14 GMT

Congrats on your CLIs !!!!

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

JoeLuvsHisCredit — Wed, 21 Nov 2018 00:15:38 GMT

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Wed, 21 Nov 2018 03:43:26 GMT

@Anonymous wrote:
Lazy Saturday morning means -- let's get some CLI!
Off to my five Synch accounts I went:

Care Credit: YES to 6000 CLI request from 9K to 15K. Asked for 20K but NO. This is the 4th CLI (6/25 x 2; 9/20) since account opened for 1K on June 2018.
Conn's : NO; last CLI was Sept 20th.
JC Penney: NO; last CLI was Oct 8th.
Lowes: YES to 15K CLI to 25K. This is 2nd CLI (first was on 9/17) since account opened for 2K on Sept 17th. Was tempted but did not ask for the 35K -- I want to save something for January.
Walmart: NO; last CLI was Oct 3rd.

Interesting that the same lender will approve 25K on one card but not 10K on another. Surely the underwriting criteria varies from one store brand to the other, which maybe serves as a sort of microcosm for the variety of outcomes the same applicant can achieve across a variety of bank lenders (Cap1, Amex, Disco, Chase, etc). I guess the uncertainty is part of what makes the credit game exciting (I know I know, it's NOT A GAME. Yet ...)

Current Fico 08's are EX 724; TU 752; EQ 752
Overall Utilization <4% with 0% purchase balances remaining on Lowes and Conns equaling about 2K.
Note: I used the Care Credit card for the 1st time about 2 weeks ago -- medicine for < $10. I don't know if it mattered, but it's still a DP.

Hey, thanks for sharing that with us!

Lemme ask you a question! Were these all HPs or SPs? I do have an Amazon Prime Store Card with only $800 and I've been thinking about asking for a CLI. Did you just click CLI button you had to call/chat with someone? Would you mind sharing that?

Thanks!

Re: Today's CLI Scorecard: James -- 2; Synchrony -- 3

Anonymous — Wed, 21 Nov 2018 03:50:44 GMT

@Anonymous wrote:

Lemme ask you a question! Were these all HPs or SPs? I do have an Amazon Prime Store Card with only $800 and I've been thinking about asking for a CLI. Did you just click CLI button you had to call/chat with someone? Would you mind sharing that?

Hi, t.

I always request CLI online, unless it's not offered as such (WF). The only other time I've called in is to request the Discover Double, or to recon an approval for a larger SL (Lowes).

So these were all SP and done online.