topic Re: 2 out of 3 approvals today.e in Credit Card Approvals

2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 01:02:36 GMT

Today was good day for me. First call was to Citi bank to ask for credit line increase on my Double cash back mastercard credit limit is 15.6k, system said we sorry we can approve your request at this time you will get letter in 7 to 10 days. this is second try with citi in the last 40 days. Second call was to U.S. bank to apply for the new Altitude go visa, got instant approval on the phone for credit line of 10K. The Third was to Wells Fargo for the Propel credit card increase the limit was 15K ask for increase to 18K for an increase of 3K got instant approval with soft inquiry. Citi is not increasing credit lines at this time, not showing love. In the last 2 months put 600 on the card and paid it off before statement closed. In the last 5 months put about 60 dollars on the Propel card and the increase was back in March of this year.

Re: 2 out of 3 approvals today.e

AllZero — Tue, 07 Jul 2020 01:08:45 GMT

Congratulations on your approval and CLI!

Re: 2 out of 3 approvals today.e

Anonymous — Tue, 07 Jul 2020 01:09:09 GMT

BOOM congrats on the approval and CLI!

Re: 2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 01:31:00 GMT

It is hard to figure out how the banks work when it comes to credit approvals. for example I have 2 friends who have much higher income then I do and have fico scores that are at least 10 points higher who only got 5K limits with U.S bank and I got 10K limit now have 24.5K total credit limit with U.S. bank I am very surprise that Wells Fargo has given me this much credit and the last increase was surprise because I don't use the card that much just have my cell bill on it. Did put 4K spend when I first open the card to get the bonus. I had the Citi card for about 6 years and have put about 20K on it over that time. They have stop giving increases to me, hit brick wall with them.

Re: 2 out of 3 approvals today.e

Anonymous — Tue, 07 Jul 2020 01:34:22 GMT

Congrats on the excellent approvals!

I wasn't so lucky with the Altitude Go but I shall try again eventually

Re: 2 out of 3 approvals today.e

Anonymous — Tue, 07 Jul 2020 01:36:14 GMT

Just curious, did a 0/6 rule apply for the Altitude Go? Any new accounts in the last 6 mo?

Re: 2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 02:02:32 GMT

Yes the number of inquiries are very important to U.S. bank comes to the Altitude go visa card, You can not have more then 2 inquries and 2 new accounts in the last 12 months. My experian fico score was 817 today that is what U.S. bank underrwriting told me, they also like to see that you have other cards with high credit limits and low utilization. They don't like people who turn account.

Re: 2 out of 3 approvals today.e

JL276 — Tue, 07 Jul 2020 02:04:25 GMT

Congrats on the credit limit increases

Re: 2 out of 3 approvals today.e

Anonymous — Tue, 07 Jul 2020 02:04:36 GMT

Thank you for the data, looks like I will have to give it a rest for a while to go for it.

Re: 2 out of 3 approvals today.e

slickwidit — Tue, 07 Jul 2020 02:12:43 GMT

Congratulations 🎊 🎉 🎈 🍾

Re: 2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 02:15:50 GMT

I am sorry I would not apply for any of U.s. Altitude cards, first I would spend some time getting your credit limits on your other accounts increase, you should have some of your account have credit limits over 15K. I think you want to have at least 5 years of average history for Us bank Altitude cards they are not started cards.

Re: 2 out of 3 approvals today.e

ccquest — Tue, 07 Jul 2020 02:16:04 GMT

Congrats the approvals!

When you called WF, did they know right away whether it would HP or SP for the CLI? They started me at $4k which makes it my lowest card now (still higher than anything I had until last month though) so I'd love to bump it up a bit next year once I reach six months.

Re: 2 out of 3 approvals today.e

M_Smart007 — Tue, 07 Jul 2020 02:27:50 GMT

Congratulations on your success ...

"Citi is not increasing credit lines at this time"

Citi is giving CLI's ...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-DC-SP-CLI-3000-Edit-and-SP-US-Bank-CLI-for-AR/m-p/6073805

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-Premier-and-Double-Cash-CLIs/m-p/6073363

Re: 2 out of 3 approvals today.e

CreditAggie — Tue, 07 Jul 2020 02:32:49 GMT

Congratulations on your US Bank approval and Wells Fargo CLI!

Re: 2 out of 3 approvals today.e

CreditCuriosity — Tue, 07 Jul 2020 02:37:58 GMT

Congrats, but incorrect info on Citi as they certainly are giving CLI's just got one a week or two ago.

Re: 2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 02:41:01 GMT

When you call Wells Fargo for credit line increase they will not do a hard inquiry with out your Ok, you can stop the process before a HD is done. If they can approve your request with soft pull then they will do it, if they can't do an increase with a soft pull then they will ask if you want to do an hard pull at that point you can stop the whole thing.

Re: 2 out of 3 approvals today.e

firefox100 — Tue, 07 Jul 2020 02:51:55 GMT

I don't know why I hit a brick wall with Citi bank my ul is less then 1 percent my out standing balanceis less then 1K. The last time the letter from Citi bank said to many inquires and to many accounts with high balances. That is all wrong I only have 2 inquries and only 2 accounts showing any balance BOA mastercard has balance of 700 dollars with cl of 25K and my uber card has a 250 dollar balance on credit line of 12K. That what TU shows.

Re: 2 out of 3 approvals today.e

CYBERSAM — Tue, 07 Jul 2020 03:07:14 GMT

Congrats on your approvals 👏

Re: 2 out of 3 approvals today.e

coreyb80 — Tue, 07 Jul 2020 03:16:30 GMT

Congrats on the combo, approval and CLI!

Re: 2 out of 3 approvals today.e

Anonymous — Tue, 07 Jul 2020 14:24:20 GMT

Congratulations on your CLI!!