topic Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase in Credit Card Approvals

Some massive wins.. Didn't think I'd get them all.. 21K total increase

MudkipsRKooL — Fri, 29 Mar 2024 05:21:20 GMT

Anyways been really busy at work and side gigs. Finally got time to check my credit spreadsheets and took the gamble and asked for CLI across most cards, considering Chase is free SP now instead of taking the ding I went ahead. Here's my results: 21K total increase!

Credit

US Bank Cash+ old credit: $14,000 to $18,000

Bank of America old credit: $4,000 to $5000

Discover old credit: $12,500 to $15,500 (was $9,500 4 months ago!)

Amex Amazon Biz: $14,500 to $17,400

CSP old credit: $7,800 to $13,900

CareCredit : $4000 to $8000

I was pleasantly surprized by CSP, and lowballed my BofA cuz I had denial last time for asking (no 2nd offer), both cards only had monthly subscription on them. One thing is I'm not 100% certain is once you link a bank with a sustanial amount of cash, the algo opens up a brighter possibility. Fico score is 780s-800, Average age of account is 2.5 years, oldest is 7, income 60K. I added a few thousands into a Discover saving account and linked it to Chase and other banks and suddenly I feel they give me the "luv" option. Just paid off my car last year, so I think they know i have some extra money. Currently saving like nearly $3K/month and investing (stocks).

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

Horseshoez — Thu, 28 Mar 2024 15:35:21 GMT

Hmmm, I've never noticed linked accounts have had any impact on my credit accounts; I have several linked, with total assets up in significant digits.

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

MudkipsRKooL — Thu, 28 Mar 2024 15:43:13 GMT

yea I'm a low spender, Biggest purchases where $1000 gaming card, $1500 OLED HDTV and $1500 Washer and Dryer the last 3+ years. So yea I dont' spend much, I feel it always something they had that against me. Also I didn't link any of my cards/account except to my main credit union which I have no credit card with. But this year I suddenly decided to link to Chase and others cuz I felt like they always have the "non-suffiecent" funds in bank as an excuse, esp. Bank of America, even if I put $500+ a month spend on it. I didn't realize Discover had a "okay" APR for savings so I decided to put some of my money in there instead of my CU with like bearly no interest.

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

Horseshoez — Thu, 28 Mar 2024 16:16:01 GMT

@MudkipsRKooL, yeah, I have a similar scenario; the only "savings" account I have in a credit union which pays someone fair interest is PenFed (3.00%), however, I do have a small CD (with a limited upside) with NFCU (5.16%). Then there is CapOne which is paying 4.35% on their top savings account and TDBank which is paying 4.00% for their best savings account. Given I'm in house hunting mode right now, I have a pretty tidy sum of money sitting in savings accounts just waiting for the right home to pop up on the market.

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

keekers — Thu, 28 Mar 2024 17:00:11 GMT

Nice haul; congrats!

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

JoeRockhead — Thu, 28 Mar 2024 19:51:26 GMT

Pretty nice all around, congratulations!

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

cashorcharge — Fri, 29 Mar 2024 00:40:32 GMT

WooHoo!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

CorpCrMgr1 — Fri, 29 Mar 2024 01:31:18 GMT

Congratulations on your CLI!!!!

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

Traveler101 — Fri, 29 Mar 2024 01:48:20 GMT

Congratulations 🎊

Re: Some massive wins.. Didn't think I'd get them all.. 17K total increase

pc01user — Fri, 29 Mar 2024 02:36:48 GMT

@MudkipsRKooL Woo Hoo! Nice work on all that bundle of CLI!

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

SwimGuy — Fri, 29 Mar 2024 17:32:48 GMT

Very impressive, nice to see gains with 60k declared income.

I thought I was hitting the limit on what my 80k income would allow. Thank you for that DP, as most people in the forum either leave that important information out of the post or the ones that post are in the high earners end.

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

FlaDude — Fri, 29 Mar 2024 19:15:30 GMT

Congrats, on getting 21k in CLIs! I've got cards I put little to no spend on where I've been hesitant to push the button, but you've given me some motivation to see what I can do!

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

NoMoreDebt — Sat, 30 Mar 2024 14:19:11 GMT

Congratulations on your approvals

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

BigBS — Wed, 03 Apr 2024 22:46:29 GMT

Congrats on the CLIs!

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

CreditAggie — Sun, 21 Apr 2024 20:17:20 GMT

Congratulations on your CLIs!

Re: Some massive wins.. Didn't think I'd get them all.. 21K total increase

CYBERSAM — Sun, 21 Apr 2024 20:25:11 GMT

Congrats on your CLI spree 🤑👍👍