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AR $4000.00 increase, SP via link in the account

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Senior Contributor

Re: AR $4000.00 increase, SP via link in the account

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

 

Congrats! Heart

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$800K+ club
Message 11 of 68
Community Leader
Mega Contributor

Re: AR $4000.00 increase, SP via link in the account


@coldfusion wrote:

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

 

Congrats! Heart


I should credit every am after not sleeping ❤

Message 12 of 68
Valued Contributor

Re: AR $4000.00 increase, SP via link in the account

Woot woot! Congrats on your AR increase!!
Message 13 of 68
Community Leader
Mega Contributor

Re: AR $4000.00 increase, SP via link in the account

@AnimalHouse121  Congrats to you, too. I just saw your thread 

Message 14 of 68
Established Contributor

Re: AR $4000.00 increase, SP via link in the account

Congrats on your SP approval!

 

Do they use a TU FICO 9?

Message 15 of 68
Community Leader
Mega Contributor

Re: AR $4000.00 increase, SP via link in the account

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 🤷‍♀️
Message 16 of 68
Established Contributor

Re: AR $4000.00 increase, SP via link in the account


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

Credit was not pulled. 🤷‍♀️

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. 

Bourbon and bow ties.
Current Cards:



2019 Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (DONE! EX FICO 8 at 750!)


2020 Goals:
$100K total CL (through organic/soft pull growth; presently 80.4K)
Garden Forever
Message 17 of 68
Regular Contributor

Re: AR $4000.00 increase, SP via link in the account

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



Message 18 of 68
Community Leader
Super Contributor

Re: AR $4000.00 increase, SP via link in the account


@CerebralZulu wrote:

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


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

Message 19 of 68
Community Leader
Super Contributor

Re: AR $4000.00 increase, SP via link in the account


@dberryhill wrote:

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

Credit was not pulled. 🤷‍♀️

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. 


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

Message 20 of 68
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