@SLO805 wrote:just reading some Cap1 Luv threads...they approved me for 150$ **bleep** lol. Make me want to cancel the stupid account i have w them. Zero balance, run a few thousand through it quarterly and i get this
I declined it.
What does the rest of your file look like? There's got to be a reason they only offered such a small amount. I have 2 $3500 limits on my QS1 and my Platinum. they may be working off of an old SP for the CLI. I've never been prequaled for the venture
@Anonymous wrote:
UNCLEB when i did my double approval in november i got an inquiry on each and 2 on TU... it's arguable who combines them (the lender or bureau) but i seem to think its lender. credit unions can use same pulls for multiple things so that also leads me to believe it's by the lender. however when i did the double approval again on 02/10/16 i only got 1 on each (so far)
I agree, others have occasionally reported the 'trick' not working as well, so it's definitely YMMV.
As for where the actual 'combination' takes place, I don't think anybody really knows for sure (by that I mean, none of us here). Amex reps will "swear" that they do an HP for each and every app - even those on the same day - and some bloggers on other sites (i.e. Doctor of Credit) seem to believe it's done at the bureau level. I freely admit that I have no basis to definitively believe one way or another, which is why I try to speak in 'general' terms when I talk about it.
Honestly, as long as it works (or usually works) I'm not going to be too concerned about who's doing it. I do agree with you, though, that it's certainly arguable, and it would be a fallacy for any of us to say we 'know for certain' how it's done.
However it happens, let's just hope they don't change it! 
@Anonymous wrote:
UNCLEB when i did my double approval in november i got an inquiry on each and 2 on TU... it's arguable who combines them (the lender or bureau) but i seem to think its lender. credit unions can use same pulls for multiple things so that also leads me to believe it's by the lender. however when i did the double approval again on 02/10/16 i only got 1 on each (so far)
Same here, but then few days later CK only shows 1 on TU (double apped last week)
EO called today. Told them 5k or higher I'll accept. Will be a sp verified twice see what happens.
