topic Re: How is BBVA when it comes to CLIs? in Credit Cards

How is BBVA when it comes to CLIs?

Wavester64 — Sat, 11 Apr 2020 18:34:25 GMT

Just curious - do they auto CLI every so often?

Do you have to request it and if so, how often can you request them?

Are CLI's a SP?

Re: How is BBVA when it comes to CLIs?

Gmood1 — Sat, 11 Apr 2020 19:05:24 GMT

CLI request are HPs. And not something given very often.

I'd say it's easier to get another card than a CLI with BBVA.

Re: How is BBVA when it comes to CLIs?

M_Smart007 — Sat, 11 Apr 2020 19:15:10 GMT

@Gmood1 wrote:
CLI request are HPs. And not something given very often.
I'd say it's easier to get another card than a CLI with BBVA.

..You do not see many BBVA CLI's in the approvals section. (same can be said for BMO Harris)

Also I have not tried on mine, probably will not try for at least another year

Re: How is BBVA when it comes to CLIs?

Anonymous — Sat, 11 Apr 2020 19:25:34 GMT

BBVA makes me very grumpy... I have had their card with the same $2K SL since 12/2018. I took a HP 6/2019 and was told my account was too new. I have seen BBVA give auto CLIs at 9 months and there are a few 9 and 12 month CLI approvals (HP and you have to call and deal with their awful customer service) but by and large, what you get is what you are stuck with for awhile.

I have heard it's easier to get a second card but I wouldn't know since they won't even let me check for a prequal offer and I'm not taking a HP for another $2K limit.

Re: How is BBVA when it comes to CLIs?

Wavester64 — Sat, 11 Apr 2020 19:40:17 GMT

@Saeren

>>I have heard it's easier to get a second card

Seems so - since getting approved for this one early last month, I got another mailer from BBVA for the same card with an invitiation code that ends April 29th. I don't dare apply, prob mailer just AUTO sent out in the mail without BBVA knowing I already was approved for their CC.

Re: How is BBVA when it comes to CLIs?

Anonymous — Sat, 11 Apr 2020 19:42:07 GMT

@Wavester64 wrote:
@Saeren

>>I have heard it's easier to get a second card

Seems so - since getting approved for this one early last month, I got another mailer from BBVA for the same card with an invitiation code that ends April 29th. I don't dare apply, prob mailer just AUTO sent out in the mail without BBVA knowing I already was approved for their CC.

You also wouldn't get the SUB. They seem to have a lifetime restriction per card (so you can get it for BBVA Rewards, for example). There are a few that have two ClearPoints cards though. I will probably grab a second one myself if the US Bank app doesn't work out for some reason.

Re: How is BBVA when it comes to CLIs?

M_Smart007 — Sat, 11 Apr 2020 19:50:33 GMT

@Anonymous wrote:
@Wavester64 wrote:
@Saeren

>>I have heard it's easier to get a second card

Seems so - since getting approved for this one early last month, I got another mailer from BBVA for the same card with an invitiation code that ends April 29th. I don't dare apply, prob mailer just AUTO sent out in the mail without BBVA knowing I already was approved for their CC.

You also wouldn't get the SUB. They seem to have a lifetime restriction per card (so you can get it for BBVA Rewards, for example). There are a few that have two ClearPoints cards though. I will probably grab a second one myself if the US Bank app doesn't work out for some reason.

@Anonymous ..I see Freedom is on your goal list, I PC'd to that because the FU was redundant for Me.

2 of the quarters I really use and offset The (2) Disco it's and Cash+

(sadly I rarely use the Clearpoints, to many other cards with the same)

Where are you at in the 5/24 realm, if you don't mind to answer that?

Sorry, not wanting to derail the thread here.

Re: How is BBVA when it comes to CLIs?

Anonymous — Sat, 11 Apr 2020 19:57:36 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@Wavester64 wrote:
@Saeren

>>I have heard it's easier to get a second card

Seems so - since getting approved for this one early last month, I got another mailer from BBVA for the same card with an invitiation code that ends April 29th. I don't dare apply, prob mailer just AUTO sent out in the mail without BBVA knowing I already was approved for their CC.

You also wouldn't get the SUB. They seem to have a lifetime restriction per card (so you can get it for BBVA Rewards, for example). There are a few that have two ClearPoints cards though. I will probably grab a second one myself if the US Bank app doesn't work out for some reason.
@Anonymous ..I see Freedom is on your goal list, I PC'd to that because the FU was redundant for Me.
2 of the quarters I really use and offset The (2) Disco it's and Cash+
(sadly I rarely use the Clearpoints, to many other cards with the same)

Where are you at in the 5/24 realm, if you don't mind to answer that?

Sorry, not wanting to derail the thread here.

😔

I am at 18/24. I am on Credit Journey though so I will keep an eye out for offers when my BK falls off. It's a long term goal but like you, I would only use it for one or two quarters.

Re: How is BBVA when it comes to CLIs?

Wavester64 — Sat, 11 Apr 2020 20:23:39 GMT

@Saeren

I am right here with ya buddy

Re: How is BBVA when it comes to CLIs?

user979797 — Sat, 11 Apr 2020 21:02:50 GMT

I have had this card for over 7 months now and was hoping for a CLI at the 7th statement cut. I spent more than my credit line every month and made multiple payments so the card always reported low when the statement cut but otherwise would max and pay off. I did not get a auto CLI like I was hoping but I knew from previous posts that I probably wouldn't. I guess at the 1 year mark I'll have to request one with a hard pull.

I love this card and the rewards, I have made more cashback with this card than with any other cashback card due to the additional emails with even more cashback for categories I already chose for that period; but hate the tiny limit they gave me and the horrible apr.

I have been thinking about cancelling it and getting a bank that wont give me a toy limit (all of my other cards had good SL) and then not increase it even with so much monthly spend but I can't find another card like it that I qualify for so I guess it's either use my 1.5% cash back or put up with them.

At least most people get a decent SL with them. Good luck I hope you get lucky and get a AUTO CLI I believe it's 7, 9 and 12 month marks.

Re: How is BBVA when it comes to CLIs?

Wavester64 — Sat, 11 Apr 2020 21:30:34 GMT

@user979797

>>I have made more cashback with this card than with any other cashback card due to the additional emails with even more cashback for categories I already chose for that period.

When did the email offers start? I have had the card a month now and other then the welcome email, I haven't gotten anything.

Re: How is BBVA when it comes to CLIs?

Anonymous — Sat, 11 Apr 2020 21:57:01 GMT

It took a couple months before I got my first one but they have been basically every other month at the most since March of last year.

Re: How is BBVA when it comes to CLIs?

user979797 — Sat, 11 Apr 2020 22:29:27 GMT

Yeah I have only been getting the emails with bonus offers for 3 months now. I always choose groceries as my 3% cat and they sent a 4% grocery offer a few months ago in my email. I clicked activate and it said done and around the 12th the next month I got the 4% bonus; but it stacks so that month my cashback for grocery and walmart purchases was 7% and it was so awesome!

Re: How is BBVA when it comes to CLIs?

ocheosa — Sun, 12 Apr 2020 00:03:08 GMT

There is not a lot of current info on the topic. I was just approved for a CLI.

Opened 8/2019 , SL 11k , bal $3.9k

Acct 8mos old, 1wk shy of 8th stmt

TU hard pull, CLI +9k, new CL 20k

Completed within 24hrs.

Advised to wait 6 mos between requests.

I won't go into the painful details of what I went through with BBVA a month ago but to say I experienced first hand one of the most incompetent account reviews. Not sure if that influenced the CLI decision. And be careful using those 9% no fee promo convenience checks for large amounts and paying off the balance within the cycle to not incur interest, they really don't like that.

Re: How is BBVA when it comes to CLIs?

user979797 — Sun, 12 Apr 2020 01:23:04 GMT

Very useful thanks for posting. Here is my info

Opened 9/2019 , SL 900

Acct 7mos old, 2wk shy of 8th stmt.

I had CH7 D2018 they were not included and didnt have them at the time

had 2 old cards that didn't cancel because of BK so I had that active history

When they pulled EXP I had 670 score. Its 709 now.

I may try myself since you had success not sure but that does at least give me hope that they wont HP and tell me my account isn't a year old yet.

Re: How is BBVA when it comes to CLIs?

Anonymous — Sun, 12 Apr 2020 01:32:00 GMT

@user979797 wrote:
Very useful thanks for posting. Here is my info
Opened 9/2019 , SL 900
Acct 7mos old, 2wk shy of 8th stmt.
I had CH7 D2018 they were not included and didnt have them at the time
had 2 old cards that didn't cancel because of BK so I had that active history
When they pulled EXP I had 670 score. Its 709 now.

I may try myself since you had success not sure but that does at least give me hope that they wont HP and tell me my account isn't a year old yet.

I wouldn't try it yet personally. Most people don't report success before a year. You have the lowest limit I have ever seen on that card so I would definitely wait a year.

Re: How is BBVA when it comes to CLIs?

user979797 — Sun, 12 Apr 2020 02:28:57 GMT

I haven't seen anyone else with a limit this low either. I'll wait thanks.

Re: How is BBVA when it comes to CLIs?

user979797 — Wed, 15 Jul 2020 14:47:51 GMT

Just to update this thread I applied for a increase via telephone yesterday and my credit was pulled this morning and I was approved for a increase. I am at the 10 month mark with my BBVA clear points card. I got the limit i requested 3k from 900.00. Good luck to anyone trying to get a CLI from BBVA there is hope!

Re: How is BBVA when it comes to CLIs?

J-F168 — Wed, 15 Jul 2020 15:34:29 GMT

Here's my story: on 03/2019 I was approved for a limit of 2.5k. On 06/2020 I requested my first cli ( bc was my lowest credit limit). I was approved and my new limit is 5k. Hp on TU.

Re: How is BBVA when it comes to CLIs?

Credit-hoarder — Wed, 15 Jul 2020 20:35:31 GMT

Search past posts from MF member Peghede. His posts are a couple years old-but he was able to get his BBVA AMEX into the 60ks through periodic increases.