topic UPDATE: Approved! BBVA CLI Request in Credit Card Approvals

UPDATE: Approved! BBVA CLI Request

user979797 — Wed, 15 Jul 2020 15:10:29 GMT

Well I broke down and requested via telephone a credit limit increase on my clear points rewards card. I have had this card for 10 months and no auto CLI. They asked me how much I wanted and I asked for a 2k increase. I was afraid to ask for more than that because my SL was only 900. They told me it would be a hard pull, asked my income, and said that I would hear within 7-10 days if the request was approved or why it was denied. I will update this post with my results.

Re: BBVA CLI Request

Anonymous — Tue, 14 Jul 2020 23:33:22 GMT

Hope your increase comes through!

Re: BBVA CLI Request

KLEXH25 — Tue, 14 Jul 2020 23:44:34 GMT

Did they already do the hard pull? Hope you get it!

Re: BBVA CLI Request

ocheosa — Wed, 15 Jul 2020 00:23:27 GMT

I requested a CLI a few months back. You will most likely receive the hard pull tomorrow. If approved you should see an update to your online account a few hours later. A confirmation letter is sent in the mail. Good luck !

Re: BBVA CLI Request

Meanmchine — Wed, 15 Jul 2020 00:52:53 GMT

< fingers crossed >

Re: BBVA CLI Request

user979797 — Wed, 15 Jul 2020 11:13:38 GMT

I checked this morning and still no increase. No hard pull either. If you usually see the increase after a few hours then I was probably denied because it's been about 15 hours.

Re: BBVA CLI Request

ocheosa — Wed, 15 Jul 2020 13:38:46 GMT

@user979797 wrote:
I checked this morning and still no increase. No hard pull either. If you usually see the increase after a few hours then I was probably denied because it's been about 15 hours.

You won't see anything until (~5-6hrs) after the hard pull notification, if you get alerts.

We are in the midst of a raging pandemic, I would expect delays in processing time.

Re: BBVA CLI Request

user979797 — Wed, 15 Jul 2020 14:14:54 GMT

Just got a notification that a hard pull was done on my credit report.

Re: BBVA CLI Request

user979797 — Wed, 15 Jul 2020 14:37:12 GMT

My credit line was increased from 900 to 3K which is the total credit line i requested (2.1K to add to 900). I maybe could have asked for more and got it, but I was afraid to with my SL being the smallest I've ever heard anyone getting from BBVA. I am so shocked and grateful this is my favorite rewards card but it was my smallest limit and it made using the card more troublesome having to keep making payments all the time. I was very disappointed when I didn't get an auto increase at the 7 and 9 month marks as others have gotten occasionally; but I'll take that hard pull because now my credit limit is more usable now. WOO HOO! I'll probably apply again in a year and next time I'm asking for 10 . I have a chapter 7 BK discharge from 2017 and got this card in 2019 and now have been granted a increase. My other accounts are all 30% or less and this BBVA card has been maxed out every month since i got it racking those triple and sometimes 8X reward points. My credit score is 704 EXP 708 TU and they pulled TU. When i opened the account my balances on my other cards were reporting 30% or less and my scores were around 670 when BBVA approved me 10 months ago. I hope this helps anyone with a BBVA credit card.

Re: BBVA CLI Request

gdale6 — Wed, 15 Jul 2020 15:10:57 GMT

@user979797 wrote:
My credit line was increased from 900 to 3K which is the total credit line i requested (2.1K to add to 900). I maybe could have asked for more and got it, but I was afraid to with my SL being the smallest I've ever heard anyone getting from BBVA. I am so shocked and grateful this is my favorite rewards card but it was my smallest limit and it made using the card more troublesome having to keep making payments all the time. I was very disappointed when I didn't get an auto increase at the 7 and 9 month marks as others have gotten occasionally; but I'll take that hard pull because now my credit limit is more usable now. WOO HOO! I'll probably apply again in a year and next time I'm asking for 10 . I have a chapter 7 BK discharge from 2017 and got this card in 2019 and now have been granted a increase. My other accounts are all 30% or less and this BBVA card has been maxed out every month since i got it racking those triple and sometimes 8X reward points. My credit score is 704 EXP 708 TU and they pulled TU. When i opened the account my balances on my other cards were reporting 30% or less and my scores were around 670 when BBVA approved me 10 months ago. I hope this helps anyone with a BBVA credit card.

Good job man, congrats

Re: UPDATE: Approved! BBVA CLI Request

AllZero — Wed, 15 Jul 2020 15:25:01 GMT

Congratulations on your CLI!

Re: BBVA CLI Request

ocheosa — Wed, 15 Jul 2020 15:46:14 GMT

@user979797 wrote:
My credit line was increased from 900 to 3K which is the total credit line i requested (2.1K to add to 900). I maybe could have asked for more and got it, but I was afraid to with my SL being the smallest I've ever heard anyone getting from BBVA. I am so shocked and grateful this is my favorite rewards card but it was my smallest limit and it made using the card more troublesome having to keep making payments all the time. I was very disappointed when I didn't get an auto increase at the 7 and 9 month marks as others have gotten occasionally; but I'll take that hard pull because now my credit limit is more usable now. WOO HOO! I'll probably apply again in a year and next time I'm asking for 10 . I have a chapter 7 BK discharge from 2017 and got this card in 2019 and now have been granted a increase. My other accounts are all 30% or less and this BBVA card has been maxed out every month since i got it racking those triple and sometimes 8X reward points. My credit score is 704 EXP 708 TU and they pulled TU. When i opened the account my balances on my other cards were reporting 30% or less and my scores were around 670 when BBVA approved me 10 months ago. I hope this helps anyone with a BBVA credit card.

Awesome news! Nice bump, Congratulations!

By what I've read on the forum, I don't think asking for a specific amount matters with BBVA. They simply give you whatever you are eligible to recieve. I was not asked for an amount during the application but was approved for 9k, CL now 20k (SL 11k). Maybe if asked the next time just reply with the maximum allowed.

Re: BBVA CLI Request

CreditAggie — Wed, 15 Jul 2020 15:47:33 GMT

@user979797 wrote:
My credit line was increased from 900 to 3K which is the total credit line i requested (2.1K to add to 900). I maybe could have asked for more and got it, but I was afraid to with my SL being the smallest I've ever heard anyone getting from BBVA. I am so shocked and grateful this is my favorite rewards card but it was my smallest limit and it made using the card more troublesome having to keep making payments all the time. I was very disappointed when I didn't get an auto increase at the 7 and 9 month marks as others have gotten occasionally; but I'll take that hard pull because now my credit limit is more usable now. WOO HOO! I'll probably apply again in a year and next time I'm asking for 10 . I have a chapter 7 BK discharge from 2017 and got this card in 2019 and now have been granted a increase. My other accounts are all 30% or less and this BBVA card has been maxed out every month since i got it racking those triple and sometimes 8X reward points. My credit score is 704 EXP 708 TU and they pulled TU. When i opened the account my balances on my other cards were reporting 30% or less and my scores were around 670 when BBVA approved me 10 months ago. I hope this helps anyone with a BBVA credit card.

Congratulations on your BBVA Clear Points CLI!

Re: BBVA CLI Request

M_Smart007 — Wed, 15 Jul 2020 16:30:39 GMT

Congratulations on your Increase

Re: BBVA CLI Request

KLEXH25 — Wed, 15 Jul 2020 17:17:02 GMT

Yayyyyyy!!!! Congratulations @user979797! I'm so happy for you! Enjoy the higher limit 😊

Re: UPDATE: Approved! BBVA CLI Request

Anonymous — Wed, 15 Jul 2020 17:17:57 GMT

@user979797 Super Congrats on your BBVA CLI approval!!!

Re: UPDATE: Approved! BBVA CLI Request

Anonymous — Wed, 15 Jul 2020 18:46:57 GMT

Congratulations! You got it!!

Re: UPDATE: Approved! BBVA CLI Request

mrcraft — Thu, 16 Jul 2020 00:13:47 GMT

Congratulations on your CLI!!

Re: UPDATE: Approved! BBVA CLI Request

Meanmchine — Thu, 16 Jul 2020 01:17:08 GMT

Congrats !

Re: BBVA CLI Request

Anonymous — Thu, 16 Jul 2020 02:21:57 GMT

Congrats!