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Alliant Platinum Visa CLI

Sasuke
Contributor

Alliant Platinum Visa CLI

Well, it's been nearly 6 months since I was approved for Alliant's Platinum Visa with a $5K limit.  My goal is to obtain their Visa Signature card. 

 

However, they aren't as liberal as most credit unions I'm a member of.

 

They approved an increase to $10K.  

 

At least they allowed some growth.  I'll hopefully have their Visa Signature in another 5-6 months.

 

Now if only PenFed would give me a CLI on their $4.5K toy card.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 1 of 14
13 REPLIES 13
SouthJamaica
Super Contributor

Re: Alliant Platinum Visa CLI


@Sasuke wrote:

Well, it's been nearly 6 months since I was approved for Alliant's Platinum Visa with a $5K limit.  My goal is to obtain their Visa Signature card. 

 

However, they aren't as liberal as most credit unions I'm a member of.

 

They approved an increase to $10K.  

 

At least they allowed some growth.  I'll hopefully have their Visa Signature in another 5-6 months.

 

Now if only PenFed would give me a CLI on their $4.5K toy card.


I have Alliant's platinum Visa too.  Thing is, now that they have significant balance transfer and cash advance fees, and have always had pretty high interest rates on the card, I can't think of what to use the card for.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 2 of 14
Sasuke
Contributor

Re: Alliant Platinum Visa CLI

I wouldn't carry a balance on any of their cards.  Their signature is perfect for general spend.  I push all my auto-billing, including rent, through a general spend card.  I make substantially more back on non-category cards.  Right now I'm using my PayPal 2% cash back card.  I'd gladly pay $49/year for that extra 0.5%.

 

Most people don't use credit cards the way I do.  I actually never use my debit or ACH, other than to pay my credit cards.  If I don't use a credit card, I'm missing out on that return.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 3 of 14
Marz2002
Valued Contributor

Re: Alliant Platinum Visa CLI


@SouthJamaica wrote:

@Sasuke wrote:

Well, it's been nearly 6 months since I was approved for Alliant's Platinum Visa with a $5K limit.  My goal is to obtain their Visa Signature card. 

 

However, they aren't as liberal as most credit unions I'm a member of.

 

They approved an increase to $10K.  

 

At least they allowed some growth.  I'll hopefully have their Visa Signature in another 5-6 months.

 

Now if only PenFed would give me a CLI on their $4.5K toy card.


I have Alliant's platinum Visa too.  Thing is, now that they have significant balance transfer and cash advance fees, and have always had pretty high interest rates on the card, I can't think of what to use the card for.


Very good points!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 4 of 14
SouthJamaica
Super Contributor

Re: Alliant Platinum Visa CLI


@Sasuke wrote:

I wouldn't carry a balance on any of their cards.  Their signature is perfect for general spend.  I push all my auto-billing, including rent, through a general spend card.  I make substantially more back on non-category cards.  Right now I'm using my PayPal 2% cash back card.  I'd gladly pay $49/year for that extra 0.5%.

 

Most people don't use credit cards the way I do.  I actually never use my debit or ACH, other than to pay my credit cards.  If I don't use a credit card, I'm missing out on that return.


I don't understand your point. The Alliant Platinum Visa has no rewards.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 5 of 14
Sasuke
Contributor

Re: Alliant Platinum Visa CLI

That's why I said "the signature".  I've mentioned my end game is to get that card.  They aren't willing to just hand it out, even if you can push over $50K through it easily.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 6 of 14
MrJamaica
Regular Contributor

Re: Alliant Platinum Visa CLI

Congrats
My first card 5/2017

Nfcu 3 cards
Cash 500-$23.8/ Cash 2 $15.7k/Nfcu Amex $5k-6.5
Sync 9 Cards
pp credit 2h-$5k/Marvel $10k/Tjx $4k/Lowes $3k-$30k/Rakuten $5.7k/CareC $8.2k-$20k/Sams Mc $2.4k/Ppal Mc $3.5k
Citi 6 CC
Home Depot $1k-$15k/Tire king $1.3-$3k/MacyAmx $2k-$11.5k/Citi simpli $2.2k/BestBuy Visa $4k
Other Banks
StateFarm $6.9k/Banco $2.2k/Bbva $4k/Target $1.7k/SCU $15k/Ikea-$8k-/ $14.75/ Disco $10k/
Cloc
Nfcu $15k/Cap1-Walmart $10k
Closed by me
Amex/Deserve/ollo/Amazon/bloom/ebay/shellmc
Message 7 of 14
SouthJamaica
Super Contributor

Re: Alliant Platinum Visa CLI


@Sasuke wrote:

That's why I said "the signature".  I've mentioned my end game is to get that card.  They aren't willing to just hand it out, even if you can push over $50K through it easily.


I don't see how getting the platinum card takes you closer to getting the Signature card; it's my understanding that they don't do PC's.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 8 of 14
AverageJoesCredit
Mega Contributor

Re: Alliant Platinum Visa CLI

Lol Penfed 4.5 k "toy limit"Smiley Wink
Message 9 of 14
xaximus
Valued Contributor

Re: Alliant Platinum Visa CLI

Congrats on the CLI. Did they do an HP for the CLI?


Scores - All bureaus 756 +
TCL - Est. $275K
Message 10 of 14
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