topic Re: BBVA $4,500... Accept? in Credit Cards

BBVA $4,500... Accept?

Charmante — Tue, 05 Jan 2021 14:26:31 GMT

$4,500 SL... Do they offer CLI's regularly? SP or HP CLI's? After how many months?

Re: BBVA $4,500... Accept?

AverageJoesCredit — Tue, 05 Jan 2021 14:40:57 GMT

Do not accept! How dare they offer such a low limit! Who do they think you are....Average Joe?😡

Lol jk, if you need another cc, go fir it, if not, dont. 💋 method

Re: BBVA $4,500... Accept?

Charmante — Tue, 05 Jan 2021 14:52:37 GMT

@AverageJoesCredit Kisses? Isn't it too early for that? Lol!!! Well I'm trying to get 1 of each brand. I have a Discover and a MasterCard. Need a Visa and an AMEX... I just don't know anything about BBVA. Do they give regular CLI's? Every... 3 months? 6?

Re: BBVA $4,500... Accept?

ficosuave — Tue, 05 Jan 2021 17:51:49 GMT

I don't know if BBVA gives unsolicited cli's at all. I can't recall hearing of any.

I happen to like the card as it is, the selectable categories are broad and they often send offers to earn more in specific categories (Bonus 4x points at groceries in a given month, for example).

Keep in mind PNC will presumably be taking over these accounts at some point and perhaps converting them to one of their products. On the brightside, I believe PNC is considered more generous with CLI's, if you're playing the long game.

Re: BBVA $4,500... Accept?

Wavester64 — Tue, 05 Jan 2021 17:56:10 GMT

@Charmante wrote:
$4,500 SL... Do they offer CLI's regularly? SP or HP CLI's? After how many months?

I have had BBVA since March 2020 with a SL of $7500 and they have not offered me a CLI and there is no way to request one online either.

Re: BBVA $4,500... Accept?

Gmood1 — Tue, 05 Jan 2021 18:10:03 GMT

BBVA must be upgrading their systems or something? None of my CCs have shown up for several days now.

Yeah, you'll have to call in and request a CLI.

Easier for me to just app another card with them.😉😆😆😆

Re: BBVA $4,500... Accept?

M_Smart007 — Tue, 05 Jan 2021 18:12:32 GMT

According to forum DP's, I believe CLI's on BBVA are HP (Experian?) every 6 months.

and by phone only.

Experian Pulls could be State dependant.

Re: BBVA $4,500... Accept?

M_Smart007 — Tue, 05 Jan 2021 18:13:18 GMT

@Gmood1, Yes you need another card

Re: BBVA $4,500... Accept?

FinStar — Tue, 05 Jan 2021 18:25:42 GMT

@Gmood1 wrote:
BBVA must be upgrading their systems or something? None of my CCs have shown up for several days now.

Yeah, you'll have to call in and request a CLI.
Easier for me to just app another card with them.😉😆😆😆

Welp... because of @CreditCuriosity's recent approval and your last discussion on BBVA, I ended up getting approved for 2 back-to-back just the other day 😬. I've been good for sometime and I couldn't help myself 😄😛. Too bad they don't combine.

Re: BBVA $4,500... Accept?

FinStar — Tue, 05 Jan 2021 18:26:55 GMT

@Charmante wrote:
@AverageJoesCredit Kisses? Isn't it too early for that? Lol!!!

He's feeling a bit amorous 😄

Re: BBVA $4,500... Accept?

Gmood1 — Tue, 05 Jan 2021 18:42:13 GMT

@FinStar wrote:
@Gmood1 wrote:
BBVA must be upgrading their systems or something? None of my CCs have shown up for several days now.

Yeah, you'll have to call in and request a CLI.
Easier for me to just app another card with them.😉😆😆😆
Welp... because of @CreditCuriosity's recent approval and your last discussion on BBVA, I ended up getting approved for 2 back-to-back just the other day 😬. I've been good for sometime and I couldn't help myself 😄😛. Too bad they don't combine.

Thats awesome @FinStar !!

I looked at the pre-approval a few days ago. They show me pre-approved for both Clearpoints and the Rewards cards.

Boy, my BBVA already looked crazy with 5 cards in that account recently. One was still in there from a recent fraud and replacement.

I wonder how 6 would look.🤔😂😂

PNC needs to allow consolidations.

@M_Smart007

Yeah, that's it...I need another.😆

Re: BBVA $4,500... Accept?

M_Smart007 — Tue, 05 Jan 2021 18:42:48 GMT

@FinStar wrote:
@Charmante wrote:
@AverageJoesCredit Kisses? Isn't it too early for that? Lol!!!
He's feeling a bit amorous 😄

Re: BBVA $4,500... Accept?

M_Smart007 — Tue, 05 Jan 2021 18:45:09 GMT

@Gmood1 wrote:

@M_Smart007
Yeah, that's it...I need another.😆

Yes, that bottom row looks a little empty

Re: BBVA $4,500... Accept?

Remedios — Tue, 05 Jan 2021 19:07:10 GMT

@Gmood1 wrote:
@FinStar wrote:
@Gmood1 wrote:
BBVA must be upgrading their systems or something? None of my CCs have shown up for several days now.

Yeah, you'll have to call in and request a CLI.
Easier for me to just app another card with them.😉😆😆😆
Welp... because of @CreditCuriosity's recent approval and your last discussion on BBVA, I ended up getting approved for 2 back-to-back just the other day 😬. I've been good for sometime and I couldn't help myself 😄😛. Too bad they don't combine.
Thats awesome @FinStar !!
I looked at the pre-approval a few days ago. They show me pre-approved for both Clearpoints and the Rewards cards.

Boy, my BBVA already looked crazy with 5 cards in that account recently. One was still in there from a recent fraud and replacement.
I wonder how 6 would look.🤔😂😂

PNC needs to allow consolidations.

@M_Smart007
Yeah, that's it...I need another.😆

You people are terrible. Think of the children!!!

tenor (2).gif

Re: BBVA $4,500... Accept?

JR_TX — Tue, 05 Jan 2021 19:45:49 GMT

@Gmood1 wrote:
BBVA must be upgrading their systems or something? None of my CCs have shown up for several days now.

Yeah, you'll have to call in and request a CLI.
Easier for me to just app another card with them.😉😆😆😆

Yeah it's been down since the new year for me!

They might have gone the Blispay way? 🤪😂

Re: BBVA $4,500... Accept?

Anonymous — Tue, 05 Jan 2021 19:49:04 GMT

@Charmante wrote:
@AverageJoesCredit Kisses? Isn't it too early for that? Lol!!! Well I'm trying to get 1 of each brand. I have a Discover and a MasterCard. Need a Visa and an AMEX... I just don't know anything about BBVA. Do they give regular CLI's? Every... 3 months? 6?

💋 = KISS = "Keep It Simple, Stupid!"

Don't make credit matters more complicated than they need to be. If you can use the card, go for it. If not, on to the next.

I have this card and I can tell you that it's at the same $2K it was when I got it 12/2018. I took a HP 6 months in and was declined for the account being too new, probably best to wait 9 months for best results. Auto CLIs have been known to happen anytime between 7 months and never.

Re: BBVA $4,500... Accept?

Anonymous — Wed, 06 Jan 2021 02:44:11 GMT

@ficosuave wrote:
I don't know if BBVA gives unsolicited cli's at all. I can't recall hearing of any.

I happen to like the card as it is, the selectable categories are broad and they often send offers to earn more in specific categories (Bonus 4x points at groceries in a given month, for example).

Keep in mind PNC will presumably be taking over these accounts at some point and perhaps converting them to one of their products. On the brightside, I believe PNC is considered more generous with CLI's, if you're playing the long game.

I almost forgot about PNC on the BBVA accounts. Keeping tabs on that when I head out the garden later!

Re: BBVA $4,500... Accept?

JNA1 — Wed, 06 Jan 2021 03:30:09 GMT

I requested a HP (TU) CLI at 1 year on my ClearPoints card they gave me $9700 to a $25K CL. The $15,300 SL I got was the highest SL I had until I got my NFCU card.

Re: BBVA $4,500... Accept?

Anonymous — Thu, 07 Jan 2021 15:02:09 GMT

BBVA is kind of a scam, I opened an account with them only to have a small purchase charged a late fee by them not sending me a notice of payment due. I did like their app and next to apple it is a cool setup where they use the app for almost everything. I cancelled the card and paid it off all within a month. I do not do business like that and do not do business with people that do that.

Re: BBVA $4,500... Accept?

UncleB — Sat, 09 Jan 2021 12:52:39 GMT

@ficosuave wrote:
I don't know if BBVA gives unsolicited cli's at all. I can't recall hearing of any.

I happen to like the card as it is, the selectable categories are broad and they often send offers to earn more in specific categories (Bonus 4x points at groceries in a given month, for example).

Keep in mind PNC will presumably be taking over these accounts at some point and perhaps converting them to one of their products. On the brightside, I believe PNC is considered more generous with CLI's, if you're playing the long game.

We don't have as many data points on BBVA auto-CLIs as we do for other lenders but I can share that I got a small auto-CLI from them back in 2018.

Details here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BBVA-Compass-ClearPoints-Auto-CLI/td-p/5256393