topic Re: BBVA NBA American Express CLI? in Credit Cards

BBVA NBA American Express CLI?

Creditaddict — Thu, 19 Nov 2015 17:15:14 GMT

Anyone received a CLI yet or asked for one?

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 17:17:25 GMT

Heck no. It's going to be HP anyways. I believe the account has to be 6+ months to even request one.

ETA: $30K for me is plenty on this card

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 17:35:45 GMT

@Creditaddict wrote:
Anyone received a CLI yet or asked for one?

Would love to know more info. on this one. I havn't received my card yet and I was planning on asking for CLI when I activate it. Hopefully I will get my card this week. Anyone have experience asking for CLI right after activation?

Sorry Creditaddict ... don't mean to hijack your thread

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 19:04:02 GMT

@Anonymous wrote:
@Creditaddict wrote:
Anyone received a CLI yet or asked for one?
Would love to know more info. on this one. I havn't received my card yet and I was planning on asking for CLI when I activate it. Hopefully I will get my card this week. Anyone have experience asking for CLI right after activation?

Sorry Creditaddict ... don't mean to hijack your thread

It appears only one member reported a successful result after activation, but that was a long while back when these cards became the FOTM and BBVA was more "flexible". That individual's profile was pretty thick/well-established and was able to do so. IIRC, others that have tried and reported results more recently have not been successful. You're welcome to try but there is no guarantee - YEMV.

Re: BBVA NBA American Express CLI?

Erusidhion — Thu, 19 Nov 2015 19:04:15 GMT

I just got my card yesterday and it was only a $1,000 limit. Probably what I deserve after all my recent new inquiries and accounts popping up but I still called them last night anyways. Yes, it will be a hard pull. I gave them permission and then she told me they'll process it as soon as they can and that I should call back Friday to see what the result of it was. They hard pulled me today. We'll see what happens but it seems that it IS possible to get a CLI right from the beginning. I am sure there may be a time limit to that but I didn't ask. Good luck! I'll try to remember to update here when I get an answer.

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 20:41:23 GMT

@FinStar wrote:
@Anonymous wrote:
@Creditaddict wrote:
Anyone received a CLI yet or asked for one?
Would love to know more info. on this one. I havn't received my card yet and I was planning on asking for CLI when I activate it. Hopefully I will get my card this week. Anyone have experience asking for CLI right after activation?

Sorry Creditaddict ... don't mean to hijack your thread
It appears only one member reported a successful result after activation, but that was a long while back when these cards became the FOTM and BBVA was more "flexible". That individual's profile was pretty thick/well-established and was able to do so. IIRC, others that have tried and reported results more recently have not been successful. You're welcome to try but there is no guarantee - YEMV.

Thanks for the info FinStar

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 20:42:05 GMT

@Erusidhion wrote:

I just got my card yesterday and it was only a $1,000 limit. Probably what I deserve after all my recent new inquiries and accounts popping up but I still called them last night anyways. Yes, it will be a hard pull. I gave them permission and then she told me they'll process it as soon as they can and that I should call back Friday to see what the result of it was. They hard pulled me today. We'll see what happens but it seems that it IS possible to get a CLI right from the beginning. I am sure there may be a time limit to that but I didn't ask. Good luck! I'll try to remember to update here when I get an answer.

Thanks for the info. What bureau they pulled on you for CLI?

Re: BBVA NBA American Express CLI?

Erusidhion — Thu, 19 Nov 2015 20:50:58 GMT

They hard pulled Transunion for me. I'm in Florida.

Re: BBVA NBA American Express CLI?

CreditMagic7 — Thu, 19 Nov 2015 20:51:58 GMT

More power to ya if someone can pull it off this soon but the norm as mentioned is been around 6 months and demands another HP.

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 21:00:13 GMT

@Erusidhion wrote:

They hard pulled Transunion for me. I'm in Florida.
Thank you. Did they pul EX for you when you applied for the Card? TU for CLI. They pulled my EX and now I have a better FICO score on my TU than my EX.

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 21:03:16 GMT

@CreditMagic7 wrote:
More power to ya if someone can pull it off this soon but the norm as mentioned is been around 6 months and demands another HP.

Right. The only difference with One7, his request was handled as a SP, not HP, and he was able to get the APR lowered (ahh... those were the BBVA days!). But if someone feels the HP is justified this early on for the CLI, sure. Data points always help.

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 21:02:34 GMT

Good luck!

Re: BBVA NBA American Express CLI?

Anonymous — Thu, 19 Nov 2015 21:10:58 GMT

CA I was curious about their cli's too. Many people on here got cards in April or May thus at 6-7 months already.

Citibank and BofA do hps for cli's. Why is it no one has tried for one with Compass?

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 21:18:39 GMT

@Anonymous wrote:
CA I was curious about their cli's too. Many people on here got cards in April or May thus at 6-7 months already.

Citibank and BofA do hps for cli's. Why is it no one has tried for one with Compass?

Frankly at 30K with BBVA, I don't need one - regardless if it's been 6+ months. I can't speak for others but BOA vs BBVA would yield totally different results. Even with my other BBVA CC, the CLIs aren't really that much priority. While I like both banks and their products, FIA/BBVA has more opportunity rewards-wise which would be more advantageous for some to obtain CLIs with them and would produce better fruit IMO.

Re: BBVA NBA American Express CLI?

Creditaddict — Thu, 19 Nov 2015 21:23:10 GMT

Citibank states online rather you can check for cli with sp or if it will be hp

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 22:57:36 GMT

@Creditaddict wrote:
Citibank states online rather you can check for cli with sp or if it will be hp

Yeah but this won't fly with BBVA. I'd say, for the sake of credit science, see if your partner (which is really more so for you ) would be willing to take the hit for a CLI. Are you both using more than 50% of his $30K?

Re: BBVA NBA American Express CLI?

Creditaddict — Thu, 19 Nov 2015 23:01:29 GMT

@FinStar wrote:
@Creditaddict wrote:
Citibank states online rather you can check for cli with sp or if it will be hp
Yeah but this won't fly with BBVA. I'd say, for the sake of credit science, see if your partner (which is really more so for you ) would be willing to take the hit for a CLI. Are you both using more than 50% of his $30K?

LMAO, if he is in a good mood I'll tell him that one!

We don't really use it at all actually... I think last use was small costco trip to make sure it stayed active... I would say less than $500 since getting it!

Re: BBVA NBA American Express CLI?

Creditaddict — Thu, 19 Nov 2015 23:05:50 GMT

Okay, So the process is:

1. Call in and ask for a cli after account is at least 6 months old.

2. It goes to back office and they do HP and approve or decline and increase

3. Process is 1-2 days for decision

Re: BBVA NBA American Express CLI?

FinStar — Thu, 19 Nov 2015 23:15:02 GMT

@Creditaddict wrote:
Okay, So the process is:
1. Call in and ask for a cli after account is at least 6 months old.
2. It goes to back office and they do HP and approve or decline and increase
3. Process is 1-2 days for decision

Thanks for the data points Creditaddict, seems similar to what One7 posted a long while ago. Except #3. So, ummmm, how old is your card? It might as well be yours too since you & your partner =1 Granted, I know you want your own

Re: BBVA NBA American Express CLI?

Creditaddict — Thu, 19 Nov 2015 23:29:05 GMT

@FinStar wrote:
@Creditaddict wrote:
Okay, So the process is:
1. Call in and ask for a cli after account is at least 6 months old.
2. It goes to back office and they do HP and approve or decline and increase
3. Process is 1-2 days for decision

Thanks for the data points Creditaddict, seems similar to what One7 posted a long while ago. Except #3. So, ummmm, how old is your card? It might as well be yours too since you & your partner =1 Granted, I know you want your own

I think April.