SP CLI Cards?

[Anonymous]

I'm approaching a full year on 99% of my cards. With only 3 avg. Inq. per bureau. 

It's about time to open 1-2 new GOOD cards...

First) Which MAJOR Cards offer SP CLI's...? I want to be able to grow my new card without adding Inquiries each time!!!

Secondly) Which cards would be MOST likely to approve a 1 Year Old file...? ALREADY HAVE DISCOVER so it's now off the table.

Scores: 750's-ish

Dell @ $2,500 Opened March.

NFCU @ $800 Opened April.

Chevron/Sync @ $300 Opened March.

Disco @ $2,000 Opened October.

Only owe on Disco -- owe $1,700 -- BUT WILL PIF and allow it to report at Zero PRIOR to applying...

So will be at Zero Debt.

NOTE: NFCU has frozen (not closed) my accounts, until they receive my grandfather's proof of service. And it's next to impossible to get DURING Covid... So, FOR NOW, NFCU CLI's/New Accounts are ON HOLD...

[newmomnewme]

Do you plan to app for your 2nd Navy card and SP CLI on the current one? Amex,Bank of America,  CapOne, Citi?, any Synchrony Cards, I'm sure there are many more. 

I'm more familiar with these two that HP for CLI 😞Chase, PenFed. Chase might even double pull..no thank you.

[Anonymous]

@newmomnewme 

PenFed is a HP? ☹️ I joined PenFed and moved over $2,500 to sit and age, in hopes of eventually applying for their Gold or Rewards card...

What kind of Credit Age does PenFed typically require?

[newmomnewme]

I just joined over the summer and got a card. I hear they have quarterly offers for many account holders- I haven't seen any yet.  Those offers are SP! Anything you initiate is HP with them. 

[FinStar]

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@Anonymous wrote:

@newmomnewme 

PenFed is a HP? ☹️ I joined PenFed and moved over $2,500 to sit and age, in hopes of eventually applying for their Gold or Rewards card...

What kind of Credit Age does PenFed typically require?

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Correct.  Customer-initiated CLI requests are HP.  The only SPs are traditionally associated with receiving pre-qualified offers during any quarterly events.  The latter are usually profile-driven though.

[Doodlebug30]

Bank of america and Amex each do SP CLI's.

[Anonymous]

I joined penfed in May. Just received my quarterly offer and it was a soft pull (so far)

[Girlzilla88]

@Anonymous    I would say Discoo and Navy but you have them already LOLOLOL Amex does not sure about the others mentioned.     Why don't you see about increasing your current ones first?!     Just food for thought (other than the Navy) I did read about your Freeze sorry but that should be cleared soon for you hopefully and put you back on track

[Girlzilla88]

@Anonymous    I say (if you can) wait out the Disco to hit around 6 months ask for CLI after you PIF, by then your Navy should be in good spot hopefully to CLI and 2nd card (read up on that) and you can see about increasing your others if they are SP too idk?!

[newmomnewme]

@Anonymousif you don't mind sharing, what was your offer? Did you take it? I opened my account in August so I'm assuming I won't see anything until Q1 2021 if I'm lucky? 

Did they do a soft pull before they put up your offers. Sorry about the thread jacking.