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Testing method to get 25k CL on each new credit card

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wdkwang
Contributor
‎08-30-2018 03:04 PM
‎08-30-2018 03:04 PM

Re: Testing method to get 25k CL on each new credit card

Haha too prime is an interesting one but i see your point and it makes sense. Perhaps ill give it another go in 6 months as suggested. Thanks!
Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Delta Gold 30K | AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 31K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
11/19: TCL 421.55K | AoOA: 18Y | AAoA: 4.2Y || TU: 818 | EQ: 820 | EX: 794 || INQ - TU: 6 | EQ: 5 | EX: 9
Message 31 of 33
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Anonymous
Not applicable
‎08-30-2018 10:09 PM
‎08-30-2018 10:09 PM

Re: Testing method to get 25k CL on each new credit card

I think we are all missing a huge component of these card issuers model: revenue potential. Risk based lending chooses limits and APRs based on CREDITWORTHINESS (Fico usuall) and REVENUE POTENTIAL (will the customer use the card and keep a balance).

Clearly the OP has the creditworthiness aspect on lock down. I do not know for sure but most indepth reports are able to see month by month spwnding habits. I think its fairly well indicated when you see people with FICOS in the 800s getting lower limits than 600s and 700s.
Message 32 of 33
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Anonymous
Not applicable
‎08-31-2018 12:49 AM
‎08-31-2018 12:49 AM

Re: Testing method to get 25k CL on each new credit card

@AnonymousI think its fairly well indicated when you see people with FICOS in the 800s getting lower limits than 600s and 700s.

While this does happen sometimes, it's definitely the exception.

Message 33 of 33
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