topic Re: Rebuilding with Mission Lane = CLI. in Credit Card Approvals

Rebuilding with Mission Lane = CLI.

CardHunter — Sun, 31 Oct 2021 20:15:14 GMT

Mission Lane is one of my rebuild cards I opened about 6 1/2 months ago with a starting line of $1,000. I received a email yesterday stating they raised my credit limit to $1,500. First 3 months I ran about $1,500 - $2,000 through the card PIF every month and the past 3 months I've just been letting my AT&T Bill auto pay on this card (about $85) so I can show my Ollo card some usage. I'm still holding out and waiting in the garden to get the Wal-Mart MasterCard in the near future and the Lowe's card (already pre approved for $2,000) but I'm waiting till late winter /spring to accept. Thank you myFICO!

Fico Bankcard Score 9 (Ollo) 601

Experian Fico score 8 588

Income $96,000

Re: Rebuilding with Mission Lane = CLI.

Irv02 — Sun, 31 Oct 2021 20:44:31 GMT

Congrats on your CLI!!

Re: Rebuilding with Mission Lane = CLI.

Red1Blue — Sun, 31 Oct 2021 21:20:22 GMT

@CardHunter wrote:
Mission Lane is one of my rebuild cards I opened about 6 1/2 months ago with a starting line of $1,000. I received a email yesterday stating they raised my credit limit to $1,500.

@CardHunterCongrats on your CLI. I got my Mission Lane Card in July 2021, with $1000 Limit. So far I like the card and no complaints. For me so far only 2 statements cut. I am putting only $150-$250 / month on this card. I want to see what kind of CLI they would give me after 6 months/6 statements. I know they said first CLI after 6 months or 6 statements. Do you have any idea when they might give second CLI for us. Did you get the cash back card or regular card. I got a regular card with no AF. After that they launched a 1% cash back card. I called and asked they can do PC but I was told no they can not do PC once the card is issued.

Re: Rebuilding with Mission Lane = CLI.

cashorcharge — Sun, 31 Oct 2021 21:43:42 GMT

Congratulations on your CLI!!

Re: Rebuilding with Mission Lane = CLI.

CardHunter — Sun, 31 Oct 2021 21:55:08 GMT

@Red1Blue wrote:
@CardHunter wrote:
Mission Lane is one of my rebuild cards I opened about 6 1/2 months ago with a starting line of $1,000. I received a email yesterday stating they raised my credit limit to $1,500.

@CardHunterCongrats on your CLI. I got my Mission Lane Card in July 2021, with $1000 Limit. So far I like the card and no complaints. For me so far only 2 statements cut. I am putting only $150-$250 / month on this card. I want to see what kind of CLI they would give me after 6 months/6 statements. I know they said first CLI after 6 months or 6 statements. Do you have any idea when they might give second CLI for us. Did you get the cash back card or regular card. I got a regular card with no AF. After that they launched a 1% cash back card. I called and asked they can do PC but I was told no they can not do PC once the card is issued.

I think the 2nd increase comes after 1 year at least that's what my research is finding. I have the regular no AF card as well.

Re: Rebuilding with Mission Lane = CLI.

Red1Blue — Sun, 31 Oct 2021 21:52:48 GMT

@CardHunter wrote:
I think the 2nd increase comes after 1 year at least that's what my research is finding. I got the regular no AF card as well.

Thanks. That is what I am thinking too. I got First Savings Bank MasterCard and Blaze MasterCard. They both are in the same tier as Mission Lane. They both gave me CLI after 6 months and second CLI after 12 months after the First CLI. I am thinking Mission Lane would be the same. From what I know they pull TU. I freeze all 3 reports. I wonder if I have to unfreeze the report before they can do the auto CLI. I'll worry about it in the next 4 months when my card reaches 6 months age. Once again congrats on your CLI.

Re: Rebuilding with Mission Lane = CLI.

CardHunter — Sun, 31 Oct 2021 21:57:04 GMT

@Red1Blue wrote:
@CardHunter wrote:
I think the 2nd increase comes after 1 year at least that's what my research is finding. I got the regular no AF card as well.
Thanks. That is what I am thinking too. I got First Savings Bank MasterCard and Blaze MasterCard. They both are in the same tier as Mission Lane. They both gave me CLI after 6 months and second CLI after 12 months after the First CLI. I am thinking Mission Lane would be the same. From what I know they pull TU. I freeze all 3 reports. I wonder if I have to unfreeze the report before they can do the auto CLI. I'll worry about it in the next 4 months when my card reaches 6 months age. Once again congrats on your CLI.

Thank you! Best wishes & good luck on your credit journey!

Re: Rebuilding with Mission Lane = CLI.

CreditAggie — Sun, 31 Oct 2021 22:08:03 GMT

Congratulations on your Mission Lane CLI!

Re: Rebuilding with Mission Lane = CLI.

SUPERSQUID — Sun, 31 Oct 2021 22:50:30 GMT

@Red1Blue wrote:
@CardHunter wrote:
I think the 2nd increase comes after 1 year at least that's what my research is finding. I got the regular no AF card as well.
Thanks. That is what I am thinking too. I got First Savings Bank MasterCard and Blaze MasterCard. They both are in the same tier as Mission Lane. They both gave me CLI after 6 months and second CLI after 12 months after the First CLI. I am thinking Mission Lane would be the same. From what I know they pull TU. I freeze all 3 reports. I wonder if I have to unfreeze the report before they can do the auto CLI. I'll worry about it in the next 4 months when my card reaches 6 months age. Once again congrats on your CLI.

I think if its an automatic cli its a sp

Re: Rebuilding with Mission Lane = CLI.

Red1Blue — Sun, 31 Oct 2021 23:19:42 GMT

@SUPERSQUID wrote:
I think if its an automatic cli its a sp

I dont know. When I was dealing with FSB/Blaze they want me to unfreeze TU and call them back again. I froze all 3 reports and for now I am going to leave them freezee the way they are and worry about it when the time comes.

Re: Rebuilding with Mission Lane = CLI.

SUPERSQUID — Sun, 31 Oct 2021 23:23:39 GMT

@Red1Blue wrote:
@SUPERSQUID wrote:
I think if its an automatic cli its a sp
I dont know. When I was dealing with FSB/Blaze they want me to unfreeze TU and call them back again. I froze all 3 reports and for now I am going to leave them freezee the way they are and worry about it when the time comes.

I just gat an automatic cli from FSB this week and it was sp. last week i got an automatic cli from Legacy {same bank as FSB}, it was also a sp.

Re: Rebuilding with Mission Lane = CLI.

coreyb80 — Mon, 01 Nov 2021 00:34:55 GMT

Congrats on the increase!

Re: Rebuilding with Mission Lane = CLI.

KingRue8500 — Mon, 01 Nov 2021 00:42:30 GMT

Congrats on your Mission Lane CLI

Re: Rebuilding with Mission Lane = CLI.

Red1Blue — Mon, 01 Nov 2021 01:49:34 GMT

@SUPERSQUID wrote:
@Red1Blue wrote:
@SUPERSQUID wrote:
I think if its an automatic cli its a sp
I dont know. When I was dealing with FSB/Blaze they want me to unfreeze TU and call them back again. I froze all 3 reports and for now I am going to leave them freezee the way they are and worry about it when the time comes.
I just gat an automatic cli from FSB this week and it was sp. last week i got an automatic cli from Legacy {same bank as FSB}, it was also a sp.

I agree it is a soft pull. But your TU needs to be unfrozen for them to do soft. Mine I always keep them frozen.

Re: Rebuilding with Mission Lane = CLI.

Sub16610 — Mon, 01 Nov 2021 01:51:14 GMT

Congrats on your Mission Lane cli!

Re: Rebuilding with Mission Lane = CLI.

M_Smart007 — Mon, 01 Nov 2021 02:53:52 GMT

Congrats on your Mission Lane CLI

Re: Rebuilding with Mission Lane = CLI.

CH-7-Mission-Accomplished — Mon, 01 Nov 2021 02:59:19 GMT

@Red1Blue wrote:
@SUPERSQUID wrote:
@Red1Blue wrote:
@SUPERSQUID wrote:
I think if its an automatic cli its a sp
I dont know. When I was dealing with FSB/Blaze they want me to unfreeze TU and call them back again. I froze all 3 reports and for now I am going to leave them freezee the way they are and worry about it when the time comes.
I just gat an automatic cli from FSB this week and it was sp. last week i got an automatic cli from Legacy {same bank as FSB}, it was also a sp.
I agree it is a soft pull. But your TU needs to be unfrozen for them to do soft. Mine I always keep them frozen.

I don't understand this statement, that your reports need to be unfrozen for a SP. I haven't unfrozen my reports in years and have requested and received many SP CLI's. It's my understanding that any creditor with a permissible purpose may soft you, but they can only make an HP work if the reports are unlocked. Am I missing something? Please enlighten me. Thanks!

Re: Rebuilding with Mission Lane = CLI.

Total80sKid — Mon, 01 Nov 2021 04:08:24 GMT

Congrats on your ML CLI 👍🏼

Re: Rebuilding with Mission Lane = CLI.

Red1Blue — Mon, 01 Nov 2021 04:54:21 GMT

@CH-7-Mission-Accomplished wrote:
@Red1Blue wrote:
@SUPERSQUID wrote:
@Red1Blue wrote:
@SUPERSQUID wrote:
I think if its an automatic cli its a sp
I dont know. When I was dealing with FSB/Blaze they want me to unfreeze TU and call them back again. I froze all 3 reports and for now I am going to leave them freezee the way they are and worry about it when the time comes.
I just gat an automatic cli from FSB this week and it was sp. last week i got an automatic cli from Legacy {same bank as FSB}, it was also a sp.
I agree it is a soft pull. But your TU needs to be unfrozen for them to do soft. Mine I always keep them frozen.
I don't understand this statement, that your reports need to be unfrozen for a SP. I haven't unfrozen my reports in years and have requested and received many SP CLI's. It's my understanding that any creditor with a permissible purpose may soft you, but they can only make an HP work if the reports are unlocked. Am I missing something? Please enlighten me. Thanks!

If you read my earlier message I am referring to First Savings MasterCard and Blaze MasterCard. They do soft but they require the credit reports not frozen. At the end there is no Hard Inq. I have no idea why they want the TU unfrozen. I am not going to argue with them how they run their business and how they pull the report.

Re: Rebuilding with Mission Lane = CLI.

gdale6 — Mon, 01 Nov 2021 15:30:41 GMT

Grats to your success and the increase