topic No CLI, No New Cards No Problem in Credit Card Applications

No CLI, No New Cards No Problem

CivalV — Thu, 28 Apr 2022 15:12:40 GMT

So I have been receiving offers to upgrade my Delta Plat & Hilton Honors to the Delta Reserve and Hilton Aspire. The upgrades were approved and my new cards are being shipped. It is also reflecting on my Amex account.

Im currently an HGV holder and I exclusively fly Delta. I was very skeptical upgrading both cards because the AF combined would be right below $1K a year.

After doing the math and looking at my offers I realized it made sense to upgrade because of how much I am currently traveling and will be traveling.

I put $10K payments through on my Delta Plat this month so hitting 30K spend should be a breeze. My Hilton has 150,000 points so far and now with the upgrade I receive all of the points as if its a new card and I receive Diamond status with upgrades where applicable.

My biggest downside to both Amex cards is that my limits are $1700 & $1,000. Hence making $10K payments just to make the card worthy of having. I've been denied CLIs and really hoping they bump up my CL especially with the upgrades bc the annual fee is pretty much 33% of my Delta CL & 50% of my Hilton CL.

I read a few months back that they wouldn't upgrade or if upgraded the card limit needs to be substantial in order to have such a large AF but I guess that is not case?

Re: No CLI, No New Cards No Problem

Brian_Earl_Spilner — Thu, 28 Apr 2022 15:26:45 GMT

@CivalV wrote:
So I have been receiving offers to upgrade my Delta Plat & Hilton Honors to the Delta Reserve and Hilton Aspire. The upgrades were approved and my new cards are being shipped. It is also reflecting on my Amex account.

Im currently an HGV holder and I exclusively fly Delta. I was very skeptical upgrading both cards because the AF combined would be right below $1K a year.

After doing the math and looking at my offers I realized it made sense to upgrade because of how much I am currently traveling and will be traveling.

I put $10K payments through on my Delta Plat this month so hitting 30K spend should be a breeze. My Hilton has 150,000 points so far and now with the upgrade I receive all of the points as if its a new card and I receive Diamond status with upgrades where applicable.

My biggest downside to both Amex cards is that my limits are $1700 & $1,000. Hence making $10K payments just to make the card worthy of having. I've been denied CLIs and really hoping they bump up my CL especially with the upgrades bc the annual fee is pretty much 33% of my Delta CL & 50% of my Hilton CL.

I read a few months back that they wouldn't upgrade or if upgraded the card limit needs to be substantial in order to have such a large AF but I guess that is not case?

Congrats on the upgrades. Sadly, they won't increase the limits for the new fees.

Re: No CLI, No New Cards No Problem

SouthJamaica — Fri, 29 Apr 2022 03:22:27 GMT

@CivalV wrote:
So I have been receiving offers to upgrade my Delta Plat & Hilton Honors to the Delta Reserve and Hilton Aspire. The upgrades were approved and my new cards are being shipped. It is also reflecting on my Amex account.

Im currently an HGV holder and I exclusively fly Delta. I was very skeptical upgrading both cards because the AF combined would be right below $1K a year.

After doing the math and looking at my offers I realized it made sense to upgrade because of how much I am currently traveling and will be traveling.

I put $10K payments through on my Delta Plat this month so hitting 30K spend should be a breeze. My Hilton has 150,000 points so far and now with the upgrade I receive all of the points as if its a new card and I receive Diamond status with upgrades where applicable.

My biggest downside to both Amex cards is that my limits are $1700 & $1,000. Hence making $10K payments just to make the card worthy of having. I've been denied CLIs and really hoping they bump up my CL especially with the upgrades bc the annual fee is pretty much 33% of my Delta CL & 50% of my Hilton CL.

I read a few months back that they wouldn't upgrade or if upgraded the card limit needs to be substantial in order to have such a large AF but I guess that is not case?

I don't think I've ever heard of such low limits on such high level cards. I guess you need to just keep plugging away with the soft pull CLI requests until you get some traction with them.

Re: No CLI, No New Cards No Problem

babygirl1256 — Fri, 29 Apr 2022 03:41:41 GMT

Congrats on your upgrade to the Delta Reserve and Hilton Aspire . . . perhaps when you submit your next CLI you can call for a reconsideration if it's declined. Best wishes on obtaining your desired credit limit!!!

Re: No CLI, No New Cards No Problem

DesertWanderer — Fri, 29 Apr 2022 04:58:29 GMT

Congrats on the cards. Best of luck of future CLI's!

Re: No CLI, No New Cards No Problem

collics — Fri, 29 Apr 2022 13:34:08 GMT

I bet if you cold app'd for the upgraded cards you'd get approved with much higher limits.

Re: No CLI, No New Cards No Problem

CivalV — Fri, 29 Apr 2022 13:40:21 GMT

@Brian_Earl_Spilner wrote:
@CivalV wrote:
So I have been receiving offers to upgrade my Delta Plat & Hilton Honors to the Delta Reserve and Hilton Aspire. The upgrades were approved and my new cards are being shipped. It is also reflecting on my Amex account.

Im currently an HGV holder and I exclusively fly Delta. I was very skeptical upgrading both cards because the AF combined would be right below $1K a year.

After doing the math and looking at my offers I realized it made sense to upgrade because of how much I am currently traveling and will be traveling.

I put $10K payments through on my Delta Plat this month so hitting 30K spend should be a breeze. My Hilton has 150,000 points so far and now with the upgrade I receive all of the points as if its a new card and I receive Diamond status with upgrades where applicable.

My biggest downside to both Amex cards is that my limits are $1700 & $1,000. Hence making $10K payments just to make the card worthy of having. I've been denied CLIs and really hoping they bump up my CL especially with the upgrades bc the annual fee is pretty much 33% of my Delta CL & 50% of my Hilton CL.

I read a few months back that they wouldn't upgrade or if upgraded the card limit needs to be substantial in order to have such a large AF but I guess that is not case?

Congrats on the upgrades. Sadly, they won't increase the limits for the new fees.

Thank you! I figured. Running high spend through the cards with no CLI is a bummer.

Re: No CLI, No New Cards No Problem

CivalV — Fri, 29 Apr 2022 13:41:21 GMT

@babygirl1256 wrote:
Congrats on your upgrade to the Delta Reserve and Hilton Aspire . . . perhaps when you submit your next CLI you can call for a reconsideration if it's declined. Best wishes on obtaining your desired credit limit!!!

Thank you so much! I really would love higher limits even $5K on both cards would be sufficient but 1k & 1.7k are just not enough :/

Re: No CLI, No New Cards No Problem

CivalV — Fri, 29 Apr 2022 13:42:07 GMT

@collics wrote:
I bet if you cold app'd for the upgraded cards you'd get approved with much higher limits.

If I cold app for the upgraded cards would I miss out on the bonuses bc I have the upgraded versions of them now?

Re: No CLI, No New Cards No Problem

Brian_Earl_Spilner — Fri, 29 Apr 2022 13:49:30 GMT

@CivalV wrote:
@collics wrote:
I bet if you cold app'd for the upgraded cards you'd get approved with much higher limits.
If I cold app for the upgraded cards would I miss out on the bonuses bc I have the upgraded versions of them now?

Yes because you've already had the product. You would have to downgrade and upgrade again for any bonus in the future.

Re: No CLI, No New Cards No Problem

CivalV — Fri, 29 Apr 2022 14:04:58 GMT

@Brian_Earl_Spilner wrote:
@CivalV wrote:
@collics wrote:
I bet if you cold app'd for the upgraded cards you'd get approved with much higher limits.
If I cold app for the upgraded cards would I miss out on the bonuses bc I have the upgraded versions of them now?
Yes because you've already had the product. You would have to downgrade and upgrade again for any bonus in the future.

Ugh that sounds like a lot lol 🥲

Re: No CLI, No New Cards No Problem

tparks5961 — Fri, 29 Apr 2022 14:13:22 GMT

Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex, Hhonors $1,800. Everyday $1,00.00. It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.

Re: No CLI, No New Cards No Problem

collics — Fri, 29 Apr 2022 15:31:06 GMT

@tparks5961 wrote:
Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex, Hhonors $1,800. Everyday $1,00.00. It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.

Wild.

Re: No CLI, No New Cards No Problem

jcooks — Fri, 29 Apr 2022 20:17:02 GMT

@tparks5961 wrote:
Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex, Hhonors $1,800. Everyday $1,00.00. It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.

https://ficoforums.myfico.com/t5/Credit-Cards/Amex-shut-downs/td-p/5944140

Isn't that $20k limit on an Amex Platinum that ultimately got shut down the same month that it was opened? And then you applied for a BBP after and was only approved for $2k @tparks5961? If so, the Platinum is a NPSL, unless given an actual hard limit due to AA.

Re: No CLI, No New Cards No Problem

tparks5961 — Fri, 29 Apr 2022 22:11:10 GMT

Nah, it's the blue business cash card. It's still open.

My platinum card still has a hard limit of $45,000.00. In the past , it had a limit of $2,000.00 and I've successfully raised it to 45 over the past year.

Re: No CLI, No New Cards No Problem

jcooks — Sun, 01 May 2022 01:07:34 GMT

@tparks5961 wrote:
Nah, it's the blue business cash card. It's still open.

My platinum card still has a hard limit of $45,000.00. In the past , it had a limit of $2,000.00 and I've successfully raised it to 45 over the past year.

Hard limit of $45k? I thought Amex charge cards only get hard limits from adverse actions.