AR $4000.00 increase, SP via link in the account

[coldfusion]

I think it was their fear of the ruby slippers that did it. 

Congrats! 

[Remedios]

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@coldfusion wrote:

I think it was their fear of the ruby slippers that did it. 

Congrats! 

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I should credit every am after not sleeping ❤

[Anonymous]

Woot woot! Congrats on your AR increase!!

[Remedios]

@Anonymous  Congrats to you, too. I just saw your thread 

[randomguy1]

Congrats on your SP approval!

Do they use a TU FICO 9?

[Remedios]

For approvals, yes.
Dont know what they use for CLI, 8 or 9
I saw account review SP on EQ in September when I pulled annual credit report, and another on 10/25.
Nothing between approval and September 🤷‍♀️

[Anonymous]

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@Remedios wrote:
Yes, link says they will pull credit. It only asks for income, housing and assets (non mandatory field).

Credit was not pulled. 🤷‍♀️

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Interesting. I may be hitting that in a month or so. Ran 6k through in the first month, albeit some seasonal spend. But mobile pay is a lot more viable for my life than I was giving it credit, meaning a ton more used. Just hate the prospect of another inquiry. 

[CerebralZulu]

Forgive me for being slow. Which card is this about? I take it in this case AR isn't account review.

[simplynoir]

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@CerebralZulu wrote:

Forgive me for being slow. Which card is this about? I take it in this case AR isn't account review.

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https://www.usbank.com/credit-cards/altitude-reserve-visa-infinite-credit-card.html

[simplynoir]

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@Anonymous wrote:

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@Remedios wrote:
Yes, link says they will pull credit. It only asks for income, housing and assets (non mandatory field).

Credit was not pulled. 🤷‍♀️

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Interesting. I may be hitting that in a month or so. Ran 6k through in the first month, albeit some seasonal spend. But mobile pay is a lot more viable for my life than I was giving it credit, meaning a ton more used. Just hate the prospect of another inquiry. 

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Based on your sig I don't think a TU pull if it comes to that isn't the end of the world. To me I see HPs as a necessary evil so don't value them as highly as others do. And in the case of CLI requests to me it is infinitely more preferable to taking the AAoA hit a new account would bring for a similar increase especially with app rules some banks have (looking at you Chase and BofA)

I plan to wait til after holidays where it'll be roughly six months since my approval and all the holiday spend is accounted for so they have a record of it before hitting them up