topic Re: AOD Signature CLI - $10K >>> $25K! in Credit Card Approvals

AOD Signature CLI - $10K >>> $25K!

JNA1 — Sat, 22 Jan 2022 01:19:37 GMT

I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Re: AOD Signature CLI - $10K >>> $25K!

CreditMagic7 — Mon, 17 Jan 2022 03:11:30 GMT

Here it comes. Congratulations on your AOD CLI!!! Good high line now.

Re: AOD Signature CLI - $10K >>> $25K!

AverageJoesCredit — Sat, 22 Jan 2022 01:20:10 GMT

@JNA1 wrote:
I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Way 2 go! Im so sorry for that horrible apr. If you need a better apr , may i suggest a Synchrony store card, their cards are over 26% and as we all know the higher the number in credit, the better!

Re: AOD Signature CLI - $10K >>> $25K!

Elpadrino1 — Mon, 17 Jan 2022 03:30:02 GMT

Congratulations on your CLI!!

Re: AOD Signature CLI - $10K >>> $25K!

JNA1 — Sat, 22 Jan 2022 01:20:44 GMT

@AverageJoesCredit wrote:
@JNA1 wrote:
I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Way 2 go! Im so sorry for that horrible apr. If you need a better apr , may i suggest a Synchrony store card, their cards are over 26% and as we all know the higher the number in credit, the better!

😂 All things are relative!

And my Sync Summit card says "Hold my beer!" with its excellent 29.99% APR! 🙈😂

Re: AOD Signature CLI - $10K >>> $25K!

AverageJoesCredit — Sat, 22 Jan 2022 01:22:07 GMT

@JNA1 wrote:
@AverageJoesCredit wrote:
@JNA1 wrote:
I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Way 2 go! Im so sorry for that horrible apr. If you need a better apr , may i suggest a Synchrony store card, their cards are over 26% and as we all know the higher the number in credit, the better!
😂 All things are relative!

And my Sync Summit card says "Hold my beer!" with its excellent 29.99% APR! 🙈😂

Outstanding!😁

Re: AOD Signature CLI - $10K >>> $25K!

PullingMeSoftly — Mon, 17 Jan 2022 03:41:09 GMT

Congrats on the max out!

Re: AOD Signature CLI - $10K >>> $25K!

Reviewers — Mon, 17 Jan 2022 04:59:22 GMT

Congratulations on your AOD CLI @JNA1

Re: AOD Signature CLI - $10K >>> $25K!

Total80sKid — Mon, 17 Jan 2022 05:34:30 GMT

Congrats on your AOD increase 👍🏼

Re: AOD Signature CLI - $10K >>> $25K!

CreditAggie — Mon, 17 Jan 2022 06:12:35 GMT

Congratulations on your AOD Visa Signature CLI!

Re: AOD Signature CLI - $10K >>> $25K!

Irv02 — Mon, 17 Jan 2022 10:30:56 GMT

Congrats on your AOD Signature Card CLI!!

Re: AOD Signature CLI - $10K >>> $25K!

SouthJamaica — Sat, 22 Jan 2022 01:22:46 GMT

@JNA1 wrote:
I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Congratulations. That's an incredibly good APR, especially for a rewards card.

Re: AOD Signature CLI - $10K >>> $25K!

coreyb80 — Mon, 17 Jan 2022 14:36:41 GMT

Congrats on the increase!

Re: AOD Signature CLI - $10K >>> $25K!

gdale6 — Mon, 17 Jan 2022 16:25:27 GMT

Grats on your move up and if you need a PL at a later time you can always CLD the card. Could also be a temp limit until you show them you can handle it.

Re: AOD Signature CLI - $10K >>> $25K!

Sub16610 — Mon, 17 Jan 2022 17:58:56 GMT

Congrats on the massive increase!

Re: AOD Signature CLI - $10K >>> $25K!

cashorcharge — Mon, 17 Jan 2022 18:13:03 GMT

WOOHOO!! OUTSTANDING!! Congratulations on your AOD Approval!! 🎉🥂👏

Re: AOD Signature CLI - $10K >>> $25K!

Anonymous — Mon, 17 Jan 2022 21:09:16 GMT

Welcome to the 25K club!

Re: AOD Signature CLI - $10K >>> $25K!

Wavester64 — Tue, 18 Jan 2022 22:39:04 GMT

@JNA1

Congrats!

I always vowed to never blow an HP for a CLI, though I have to admit, AOD might be that exception (someday )

Re: AOD Signature CLI - $10K >>> $25K!

Crowhelm — Sat, 22 Jan 2022 01:23:31 GMT

@JNA1 wrote:
I first got my AOD with $5K in Jun of 2020. I was 6 months removed from a 5 card spree at the end of 2019, and I believe they were a little spooked about that. I waited 6 months, and requested a CLI at the end of 2020 and was approved from $5K to $10K. I decided recently to roll the dice and burn another HP and requested $25K and was approved. I did to explain to an underwriter why I wanted the extra CL, so that was fun. I was told that getting the max $25K CL would keep from getting a personal loan at this time, since $25K is the max unsecured limit you can have. I'm not sure if that's across the board, or just for me.
Either way, I got the max limit, unfortunately my APR is still at 8.99% instead of the best rate.

Wow, @JNA1 , congrats on the CL increase. But are you telling me I actually got you beat on something?

I feel now that we left money on the table because we had no questions to answer at all and got the requested 15K and lowest rate just like that. The hold-up was on the membership apparently because I am still a green card holder I had to fill out another form.

Re: AOD Signature CLI - $10K >>> $25K!

FalconSteve — Wed, 19 Jan 2022 05:39:20 GMT

Congrats!