topic Re: Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's in Credit Cards

AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Sun, 25 Aug 2019 19:36:26 GMT

Hello all,

I am 21 years old college student with 6~7 months of credit history. I am aware of Chase's 5/24 Rule, which is why I am seeking advice here.

My ultimate goal is to have "Chase Sapphire Reserve", "American Express Gold Card", & "Amazon Prime Rewards Visa Signature Card".

I rarely spend any money besides "groceries & restaurants," but it is more for my family members who live overseas spend easily $10,000/month. & All of the cards stated above fit the spending pattern of them perfectly. & Enjoying traveling.

Here are my info:

Annual Income: ~90K, Credit Utilization: 0 %, 0 derogatory, 0 late payments, all payments always paid in full balance.

Credit Scores: EX FICO 8 730 (As of 08/25/2019), EX FICO BANKCARD SCORE 8 741 (As of 08/25/2019)

TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)

TU Vantage Score (given by creditwise through Cap1 Account) : 675->670 (went down from Apple Card Application)

My current list of credit cards: Capital One Secured Mastercard (OPENED FEB 01 2019) <$200 ->$500> (Just got automatic CLI this month)

Apple Card $5,000 (OPENED AUG 16 2019)

Also, I do not have any installment loan, so I was considering "Self Lender" to help my credit score.

Does "Self Lender" make sense for my situation? I know this might be too much in one post..

Thanks in advance!

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Sun, 25 Aug 2019 20:44:02 GMT

Welcome! I hold no opinion on "Self Lender", but I can tell that with only credit cards and a reasonable length of credit history, you can build up your credit without issue. Probably won't reach the top scores but usually good enough to get the Amex/Chase cards you want. Length of credit, utilization, payment history, number of new accounts and inquiries matter more in this situation, as compared to "types of credit". I am at ~7 years history with only credit cards and my FICO is currently around 770 with each bureau. Regardless, adding installment loans might boost your FICO score but I don't think it particularly helps with Amex/Chase credit card applications.

You can try to see if you have any preapproved offers with Amex or Chase. You may even be able to get an Amex Gold now even if you don't have preapproved offers.

For Chase, you don't necessarily have to open the Amazon card if you also consider other Ultimate Rewards earning cards like the Freedom/Freedom Unlimited. You can try opening a card (not the Sapphire cards) with Chase when you are around 1 year of credit history, as they usually like to see some history. When you have credit cards with limits over 10k and probably at least 2 years of credit history, you can consider CSR if you are below 5/24.

Your income is not a problem but spending $10k each month overseas would likely trigger account reviews or shutdowns (for both Chase and Amex) as it probably looks high-risk to the lenders.

Re: AMEX Gold Card & Chase Cards [seeking advice]

CramEiko — Sun, 25 Aug 2019 20:54:50 GMT

@Anonymous wrote:
Hello all,
I am 21 years old college student with 6~7 months of credit history. I am aware of Chase's 5/24 Rule, which is why I am seeking advice here.
My ultimate goal is to have "Chase Sapphire Reserve", "American Express Gold Card", & "Amazon Prime Rewards Visa Signature Card".
I rarely spend any money besides "groceries & restaurants," but it is more for my family members who live overseas spend easily $10,000/month. & All of the cards stated above fit the spending pattern of them perfectly. & Enjoying traveling.

Here are my info:
Annual Income: ~90K, Credit Utilization: 0 %, 0 derogatory, 0 late payments, all payments always paid in full balance.
Credit Scores: EX FICO 8 730 (As of 08/25/2019), EX FICO BANKCARD SCORE 8 741 (As of 08/25/2019)
  TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)
  TU Vantage Score (given by creditwise through Cap1 Account) : 675->670 (went down from Apple Card Application)
My current list of credit cards: Capital One Secured Mastercard (OPENED FEB 01 2019) <$200 ->$500> (Just got automatic CLI this month)
Apple Card $5,000 (OPENED AUG 16 2019)
Also, I do not have any installment loan, so I was considering "Self Lender" to help my credit score.
Does "Self Lender" make sense for my situation? I know this might be too much in one post..
Thanks in advance!

Would you have a need to buy a car? It wouldn't have to be a high end car, just a grocery getter with low monthly payments that could start showing some sort of installment payments for 24 or more months. And well, it's usable.

Good Luck!

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Sun, 25 Aug 2019 23:02:54 GMT

When I checked preapproved offer not too long ago on Amex website, I was preapproved for "Gold Delta SkyMiles® Credit Card."

Is that good enough for Amex Gold?

Also, based on my info, do I have any shot at getting Amex Platinum?

Thanks !

Re: AMEX Gold Card & Chase Cards [seeking advice]

digitek — Sun, 25 Aug 2019 23:31:54 GMT

You have a really strange profile for sure. 21 year old student who makes $90k and would have AU's who spend $10k per month overseas...

Both Chase and Amex would like you as a customer, they both really appreciate high income/spend and will reward it with high limits. Chase really doesn't like young profiles under 1 year of history. Amex won't really mind too much, especially with their AF cards, as long as you haven't gotten a lot of cards recently and especially not from them within a few months.

You will likely be able to snag Amex Gold without a denial, maybe Plat. I would personally hold off on Chase until at least 1 year, but you should have no issue there, either. Get the Amazon Prime first with them and show you are a decent customer before going for CSR.

I would not open an installment loan just to increase your credit score unless it is really important to you.

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 00:11:34 GMT

Hahaha, I hope you do not mind my strange profile.

It is mainly because AUs will be my parents who spend A LOT but lack the great rewards card.

(I found this out not too long ago...really bothered me when I found out what they were missing out)

BTW, How hard is it to get Chase Amazon Prime Card?

Is it also one of those Chase cards you ABSOLUTELY need minimum 1 year impeccable history?

If it somehow builds relationship with Chase and paves the way for CSR, I think I am all for it.

I was thinking of getting it anyway since most of my spendings are with Amazon & Whole Foods.

So, if I do get the Prime card soon, that puts me at 3/24? (Cap1 Secured, Apple Card, & Prime Card?)

Does Cap1 Secured Card count as "credit card" under Chase 5/24 Rule?

Thanks everyone !!

Re: AMEX Gold Card & Chase Cards [seeking advice]

KJinNC — Mon, 26 Aug 2019 01:27:25 GMT

Secured cards do count as credit cards under 5/24.

Otherwise, I can't answer most of your questions, except to say that the cards you have in mind should generate lots of rewards for the spend levels you're talking about ... and, I'm baffled how a college student can have a $90k income, but that's neither here nor there

Re: AMEX Gold Card & Chase Cards [seeking advice]

red259 — Mon, 26 Aug 2019 01:27:56 GMT

AUs located overseas spending much more than the primary card holder? This sounds like a recipie for card shutdown.

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 02:19:27 GMT

@Anonymous wrote:
When I checked preapproved offer not too long ago on Amex website, I was preapproved for "Gold Delta SkyMiles® Credit Card."
Is that good enough for Amex Gold?
Also, based on my info, do I have any shot at getting Amex Platinum?
Thanks !

You should have somewhat good chance to get approved for Gold or Platinum if you apply for it now.

The credit requirement for their charge cards are actually lower than their credit cards, because you will have to pay in full each month and you can't carry a revolving balance (without Pay over time). The credit requirements between the charge cards are about the same, because they are about the same in terms of spending and making payments.

If you are able to see a 50k signup bonus for Gold or 75k+ signup bonus for Platinum, then go for it as long as the card justifies your spending needs. Do note the amount of spending required (you probably don't want to get both at the same time because the spending needed for the bonus will be $7k in 3 months).

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 02:31:30 GMT

@Anonymous wrote:
Hahaha, I hope you do not mind my strange profile.
It is mainly because AUs will be my parents who spend A LOT but lack the great rewards card.
(I found this out not too long ago...really bothered me when I found out what they were missing out)
BTW, How hard is it to get Chase Amazon Prime Card?
Is it also one of those Chase cards you ABSOLUTELY need minimum 1 year impeccable history?
If it somehow builds relationship with Chase and paves the way for CSR, I think I am all for it.
I was thinking of getting it anyway since most of my spendings are with Amazon & Whole Foods.
So, if I do get the Prime card soon, that puts me at 3/24? (Cap1 Secured, Apple Card, & Prime Card?)
Does Cap1 Secured Card count as "credit card" under Chase 5/24 Rule?
Thanks everyone !!

The Amazon card isn't too hard to get if your length of history is better. Chase usually wants to see at least 1 year of history when processing applications. It doesn't mean you absolutely need at least 1 year, just that you might find it more difficult to get approved now.

Anything on your credit report that says "credit card", if opened within the most recent 24 months including closed ones, counts into 5/24. The Cap1 secured card is reported as a credit card, so it does count. Note that charge cards are also reported as credit cards so they count too.

Another clarification, if you don't apply for anything else except for the Amazon card, you would be 2/24 when applying for that card, because X/24 is when Chase sees your report, by which time the Amazon card was not opened yet. Then if it's opened and reported to credit bureaus, you will be at 3/24.

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 03:43:37 GMT

I notice that a couple of you mentioned that if AUs spend more than primary card holder, the card will likely be reviewed/shutdown?

Will it happen even if I keep the account in good standing?

Can someone clarify this for me..? This would be an issue for me..

Thanks !

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 04:01:03 GMT

@Anonymous wrote:
I notice that a couple of you mentioned that if AUs spend more than primary card holder, the card will likely be reviewed/shutdown?
Will it happen even if I keep the account in good standing?
Can someone clarify this for me..? This would be an issue for me..

Thanks !

I would be primarily concerned with long-term large spending (running $10k each month is large enough, even for primary holder) and the fact the transactions are foreign charges.

One issue is fraud related, as the banks may worry if the charges are authorized; fraudsters may run large charges with overseas merchants and try to get away with it, and it would be a lot of liability for the bank if the charges are unauthorized. If the charges are indeed authorized, they may wonder if you have the ability to pay back these charges, as annual spending would be $120k+ in addition to your own, but your reported income is lower than your annual spend. Even if you have the money to pay them, they can still be suspicious about if you got the funds from legitimate sources. These are related to banks' risk control mechanisms, and large spendings + foreign transactions are more likely to trigger them.

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 04:58:53 GMT

wow.. HUGE THANKS for your thorough explanation.. It really does make sense to me now.. I guess I was not fully understanding the concept of "Authorized User"

With Amex and Chase, would I have access to limit their spending to certain amount(~5k)? (just so that I could avoid any potential trouble aforementioned)

Also, from what I understand, while AUs are not legally obligated to pay for their purchases..but they still have access to pay off their balances directly (instead of me receiving money from them and pay them off), right?

As you can probably tell, I am still very new to this and have tons of questions.

Thanks !!!

Re: AMEX Gold Card & Chase Cards [seeking advice]

CreditInspired — Mon, 26 Aug 2019 07:33:39 GMT

@Anonymous wrote:
@Anonymous wrote:
I notice that a couple of you mentioned that if AUs spend more than primary card holder, the card will likely be reviewed/shutdown?
Will it happen even if I keep the account in good standing?
Can someone clarify this for me..? This would be an issue for me..

Thanks !
I would be primarily concerned with long-term large spending (running $10k each month is large enough, even for primary holder) and the fact the transactions are foreign charges.

One issue is fraud related, as the banks may worry if the charges are authorized; fraudsters may run large charges with overseas merchants and try to get away with it, and it would be a lot of liability for the bank if the charges are unauthorized. If the charges are indeed authorized, they may wonder if you have the ability to pay back these charges, as annual spending would be $120k+ in addition to your own, but your reported income is lower than your annual spend. Even if you have the money to pay them, they can still be suspicious about if you got the funds from legitimate sources. These are related to banks' risk control mechanisms, and large spendings + foreign transactions are more likely to trigger them.

Another issue is money laundering, even when this is not happening. All a bank needs is a sniff of a suspicion and they will close accounts down in a nanosecond. $10K a month on a personal card is a lot. If your parents have a business, maybe a business CC is more appropriate. Just a thought.

Also, with that kind of spend, be prepared for AmX to request a Form 4506-T. This is an IRS form allowing a CCC to request your tax info for the previous 2 years. If they request it, it’s not mandatory to submit it. But if they request it and you don't comply, it’s “no soup for you.”

And OP welcome to MyFICO. We’re glad you came here to ask your questions to become more informed of all the issues.

Re: AMEX Gold Card & Chase Cards [seeking advice]

Anonymous — Mon, 26 Aug 2019 15:00:15 GMT

College student, 22 yo, with a “strange” profile too making 80k.

One way to the get Amex Gold, if you get refused based on your current situation, is applying in your home country (provided Amex operates there) and doing a Global transfer service after 3 months. That’s how I got the Gold card after 1 week in the US.

You should note that a high level of spending, like the one you described, will certainly raise some flags @ Amex. When applying for the Everyday CC my application was denied due to high concern level of my account (at the same time they gave me a 5k pay over time limit - nonsense) & account too new - 8 months. I usually put 4-5k/month that I’ve always paid before the bill was due. Long story short, they like high spending young users but not too much.

However, building a good relationship with Amex: charge card then credit card is a good way to get Chase cards. A branch agent @ Chase told me that in a few more months (1year) I could apply for a Sapphire. He told me that it also matters doing Checking with them (as they can see the money you run). I’ve read on the forum that applying at the Branch might give some strength to your application. Provided that you get refused you can call reconsideration with the banker and try to push it.

Good luck!

Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's

Anonymous — Tue, 10 Sep 2019 03:32:55 GMT

Hello all,

I finally pulled the trigger and applied for Amazon Prime Card by Chase inside Chase Branch (I had to go on my amazon account to actually apply, anyway). DENIED.

So the lady who was helping me called for reconsideration, and I also spoke to the guy dealing with reconsideration on the phone.

Nothing changed. Still denied for having not enough credit history.. He only said Equifax was pulled for application, but for some reason I got a notification from my Experian App on my phone saying that Chase pulled the credit report. Is this what you call "double pull"?

So, I just felt really disappointed entire day and impulsively applied for AMEX GOLD about an hour ago. APPROVED!!! YAY !

From Chase, I was told that I have 30 days from the day of application to ask for any second reconsideration should there be any changes to my credit report within that time period. I feel like I wasted hard inquiry for the credit card that I could not possibly get with 7 months of credit history.. Now I just feel kind of lost, and also my ultimate goal of getting Chase Sapphire Reserve by end of the year 2020 seems even more UNREALISTIC.. I guess I should have really listened to those who said: Chase= WAIT AT LEAST 1 YEAR; NOT FOR NEWBIES. Period.

If anyone could give me some advice/suggestions for me, it would be greatly appreciated..

Does anyone know when Apple Card will begin to show up on credit reports?

Also, I do not have an access for my Equifax & Transunion FICO score. What are the best ways to get those scores & reports?

Below is my info:

Annual Income: ~90K, Credit Utilization: 14 %, 0 derogatory, 0 late payments.

Credit Scores: EX FICO 8 750, EX FICO BANKCARD SCORE 8 746 (As of 09/09/2019)

TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)

TU Vantage Score (given by creditwise through Cap1 Account) : 693

My current list of credit cards: Capital One Secured Mastercard $500 (OPENED FEB 01 2019)

Apple Card $5,000 (OPENED AUG 16 2019) (NOT ON REPORTS YET)

AMEX GOLD NPSL (APPLIED & APPROVED 09/09/2019)

THANKS IN ADVANCE !

Re: Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's

M_Smart007 — Tue, 10 Sep 2019 04:37:11 GMT

@Anonymous wrote:
Hello all,

I finally pulled the trigger and applied for Amazon Prime Card by Chase inside Chase Branch (I had to go on my amazon account to actually apply, anyway). DENIED.
So the lady who was helping me called for reconsideration, and I also spoke to the guy dealing with reconsideration on the phone.
Nothing changed. Still denied for having not enough credit history.. He only said Equifax was pulled for application, but for some reason I got a notification from my Experian App on my phone saying that Chase pulled the credit report. Is this what you call "double pull"?
So, I just felt really disappointed entire day and impulsively applied for AMEX GOLD about an hour ago. APPROVED!!! YAY !

From Chase, I was told that I have 30 days from the day of application to ask for any second reconsideration should there be any changes to my credit report within that time period. I feel like I wasted hard inquiry for the credit card that I could not possibly get with 7 months of credit history.. Now I just feel kind of lost, and also my ultimate goal of getting Chase Sapphire Reserve by end of the year 2020 seems even more UNREALISTIC.. I guess I should have really listened to those who said: Chase= WAIT AT LEAST 1 YEAR; NOT FOR NEWBIES. Period.
If anyone could give me some advice/suggestions for me, it would be greatly appreciated..
Does anyone know when Apple Card will begin to show up on credit reports?
Also, I do not have an access for my Equifax & Transunion FICO score. What are the best ways to get those scores & reports?

Below is my info:
Annual Income: ~90K, Credit Utilization: 14 %, 0 derogatory, 0 late payments.
Credit Scores: EX FICO 8 750, EX FICO BANKCARD SCORE 8 746 (As of 09/09/2019)
TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)
TU Vantage Score (given by creditwise through Cap1 Account) : 693
My current list of credit cards: Capital One Secured Mastercard $500 (OPENED FEB 01 2019)
Apple Card $5,000 (OPENED AUG 16 2019) (NOT ON REPORTS YET)
AMEX GOLD NPSL (APPLIED & APPROVED 09/09/2019)
THANKS IN ADVANCE !

This sounds like one for @CreditInspired

Re: Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's

CreditInspired — Tue, 10 Sep 2019 11:44:13 GMT

@M_Smart007 wrote:
@Anonymous wrote:
Hello all,

I finally pulled the trigger and applied for Amazon Prime Card by Chase inside Chase Branch (I had to go on my amazon account to actually apply, anyway). DENIED.
So the lady who was helping me called for reconsideration, and I also spoke to the guy dealing with reconsideration on the phone.
Nothing changed. Still denied for having not enough credit history.. He only said Equifax was pulled for application, but for some reason I got a notification from my Experian App on my phone saying that Chase pulled the credit report. Is this what you call "double pull"?
So, I just felt really disappointed entire day and impulsively applied for AMEX GOLD about an hour ago. APPROVED!!! YAY !

From Chase, I was told that I have 30 days from the day of application to ask for any second reconsideration should there be any changes to my credit report within that time period. I feel like I wasted hard inquiry for the credit card that I could not possibly get with 7 months of credit history.. Now I just feel kind of lost, and also my ultimate goal of getting Chase Sapphire Reserve by end of the year 2020 seems even more UNREALISTIC.. I guess I should have really listened to those who said: Chase= WAIT AT LEAST 1 YEAR; NOT FOR NEWBIES. Period.
If anyone could give me some advice/suggestions for me, it would be greatly appreciated..
Does anyone know when Apple Card will begin to show up on credit reports?
Also, I do not have an access for my Equifax & Transunion FICO score. What are the best ways to get those scores & reports?

Below is my info:
Annual Income: ~90K, Credit Utilization: 14 %, 0 derogatory, 0 late payments.
Credit Scores: EX FICO 8 750, EX FICO BANKCARD SCORE 8 746 (As of 09/09/2019)
TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)
TU Vantage Score (given by creditwise through Cap1 Account) : 693
My current list of credit cards: Capital One Secured Mastercard $500 (OPENED FEB 01 2019)
Apple Card $5,000 (OPENED AUG 16 2019) (NOT ON REPORTS YET)
AMEX GOLD NPSL (APPLIED & APPROVED 09/09/2019)
THANKS IN ADVANCE !
This sounds like one for @CreditInspired

😉

Re: Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's

CreditInspired — Tue, 10 Sep 2019 14:28:21 GMT

@Anonymous wrote:
Hello all,

I finally pulled the trigger and applied for Amazon Prime Card by Chase inside Chase Branch (I had to go on my amazon account to actually apply, anyway). DENIED.
So the lady who was helping me called for reconsideration, and I also spoke to the guy dealing with reconsideration on the phone.
Nothing changed. Still denied for having not enough credit history.. He only said Equifax was pulled for application, but for some reason I got a notification from my Experian App on my phone saying that Chase pulled the credit report. Is this what you call "double pull"?
So, I just felt really disappointed entire day and impulsively applied for AMEX GOLD about an hour ago. APPROVED!!! YAY !

From Chase, I was told that I have 30 days from the day of application to ask for any second reconsideration should there be any changes to my credit report within that time period. I feel like I wasted hard inquiry for the credit card that I could not possibly get with 7 months of credit history.. Now I just feel kind of lost, and also my ultimate goal of getting Chase Sapphire Reserve by end of the year 2020 seems even more UNREALISTIC.. I guess I should have really listened to those who said: Chase= WAIT AT LEAST 1 YEAR; NOT FOR NEWBIES. Period.
If anyone could give me some advice/suggestions for me, it would be greatly appreciated..
Does anyone know when Apple Card will begin to show up on credit reports?
Also, I do not have an access for my Equifax & Transunion FICO score. What are the best ways to get those scores & reports?

Below is my info:
Annual Income: ~90K, Credit Utilization: 14 %, 0 derogatory, 0 late payments.
Credit Scores: EX FICO 8 750, EX FICO BANKCARD SCORE 8 746 (As of 09/09/2019)
TU 713 (FROM APPLE CARD APPLICATON, NOT SURE WHICH VERSION) (ON 08/16/2019)
TU Vantage Score (given by creditwise through Cap1 Account) : 693
My current list of credit cards: Capital One Secured Mastercard $500 (OPENED FEB 01 2019)
Apple Card $5,000 (OPENED AUG 16 2019) (NOT ON REPORTS YET)
AMEX GOLD NPSL (APPLIED & APPROVED 09/09/2019)
THANKS IN ADVANCE !

At first, I was going to pass this one by but decided to take another read at the nudging of @M_Smart007 😁

So, OP, you decided not to take the advice of this awesome forum. 😤. That’s ok because you learned a valuabe lesson from a wasted HP. But dont be too hard on yourself because believe me, we’ve all been there, done that.

OK, so here are my suggestions:

1. Don’t apply for any more cards until your AoYA is 12 months. And when you do, check prequal first! Discover or even another AmX may be good choices. And only apply for one card after that at 6-month intervals.

2. Go to www.creditchecktotal.com and get your 3 FICO scores. It’s $1 for a 7-day trial. Cancel prior to 7th day or you’ll be automatically charged $29.99/mo until you cancel.

3. Don’t apply for the CSR until you have at least 2 other cards exceeding $5K. Chase does not want to be your first card with this limit. Having a secured card in your profile says your credit profile is lacking the requirements needed for prime cards. On another note, as you now know, your credit history is very thin. But the good news is that TIME and PATIENCE will cure that!

4. Most times Chase pulls 2 reports (in my case anyway). You’ll probably get another alert soon. If Chase didn’t do a 2nd HP, count your blessings.

5. Garden. This is a great time to let your cards age. Again, time and patience.

6. Since the Gold card is a charge card, that’s probably why you were approved. ~~So, in 61 days ask for a 3X CLI.~~

I believe if you follow our advice this time, success is only 12 months away.

GL2U

Re: Good News & Bad News (AMEX GOLD & CHASE AMAZON) & Q's

Anonymous — Tue, 10 Sep 2019 14:08:54 GMT

ask for a CLI for what? There’s npsl