@CreditCuriosity wrote:Congrats... Although PenFed doesn't sound quite correct unless they changed their policies. Unless you were grandfathered with existing CC the new one is max 25k CL. And overall exposure is 50k with PenFed between cards as well and you appear to have 56k. Sure you are not mistaken on this?
Seems like the Citi Prestige is approval is the largest I have ever seen out of the gate as well for that card. Usually with high incomes/ficos they usually give 4-14k type limits. Congrats however you managed that one
Otherwise amazing approvals. Care to share your FICOs and other details.. That Chase approval is no joke no moving around CL's or anything? Do you have a legit business or just under your SSN or a business id?
Edit: Shared one fico which appears in the 820-30 if I recall so would assume the rest of them are around that score as well and appears re-reading again it you have a TIN if have accounts with us bank and chase so appears not a sole prop.
You are so right that Penfed's overall exposure is $50k and they do give maximum on one card $25k....Its my fault that I completely forgot to provide more relevant DPs and facts. I do not have Gold Rewards card anymore. I think 2-3 years ago I applied for their Pathfinder card....I was asked to provide- 4 weeks of paystubs, 2 years's tax returns and 2 years' of W-2s which I did provide to them. But they sit on my request for 27 days and I felt that they were purposely waiting to run out of 30 days so that they could do another HP because I was using the same HP which was initially used to CLI on my Gold card at that time. I called them many times in those 27 days to inquire about my application status for Pathfinder card...but each time I was told that they would contact me within a day or two but nobody ever contacted nor sent me any email.
So, I was very upset of how I was treated by them. I had a heated argument with one of the supervisors....and very next day I received a response from them that they do not believe the authenticity of those documents....which put me the shock of my life because timing of receiving the response from them after 28 days later and my argument with the supervisor.....and secondly, they were questioning the validity of all those documents !!!! .....I asked them that they could call my employer which was a very big hospital (not a some small private clinic)...and I even offered them to provide them tax transcripts or allow them that I could sign paperwork for them to get tax returns directly from IRS...But they didn't listen and denied my application for Pathfinder card....and 3 days later they closed my Gold card as well by giving me the reason- Couldn't verify identity. I was upset like a hell but couldn't do anything as it was their game. So, Gold account was closed down.
This time when I saw the link, from where many people are able to get approval, I tried too but just to check if I get approved or not...And it did come out as approved and it was initially for $25k..Let me see if I have saved the screenshot of it...So, I accepted the offer and it instantly got approved...but a few minutes later it changed to Under Review...So, I knew that it will 100% be denied because of them previously closing out my account and questioning my POI....Which is why I didn't pay much attention to it all this time until I received a request for POI...I was still not sure, but a few hours later I did get the email about the approval and CL was different than what it was initially approved for. I still have not received the card yet...
How I got CL more than $25k on this new card then I have no idea whatsoeve because I also know for a long time that their max on a card is only $25k but I read previously on two other sites wherein 3 people were able to get more than this max amount but by speaking with underwriter...I don't know why and who get more than $25k...maybe, things have changed lately like things have changed with BCU and with other lenders ??? Or maybe, underwriter have more leverage/discretionary authority ??? They did have my POI this time as well...Or who knows it was done by mistake? I would try to post the screenshot when I get something because I deleted that email right away...I normally don't keep emails...
My Fico score was from the range of 818 to 828...No any card applied in last 8-9 months...at least nothing showed up....Only one inquiry was on EQ....No baddies at all....Owed only $99 as I follow AZEO...thick profile....credit history going back 17-18 yrs....Income- $216k/yr....I show action on all my accounts every month one way or another....I have 41 accounts altogether...House fully paid...car fully paid...two Pledge loans showing up in my credit reports but balance is very very little now...The only purpose of these pledge loans is to have mix credit to have higher Fico scores and NFCU internal score...
@Janneman wrote:Last two months have been so good for me credit-wise as I have strategically obtained a few cards.
(1) BECU Cashback: Six weeks ago I was able to get into BECU and opened checking and saving accounts with them...and made sure that each week my salary goes in there thru direct depositing...One of their representatives told me that if an account is 30 days old then a lots of restrictions don't come to play, which made me to wait for 5-6 weeks to apply for their credit card, but it turned out to be wrong because I was still investigated/contacted by Financial Crime Dept. 10 days ago I applied for their Cashback card which has a bonus of $300 after spending $3k in the first 90 days...I got instantly approved for $38,300...not even one document was requested except Docusign online....and very next day a representative called me to ask me if I am interested in personal loan which he said to be attached to the checking account...I said no...but a few hours later he sent the email to tell me that based on my credit, he can offer me a personal loan for $25k without any HP....That made me tempted, but then I knew that documents will definitely be asked for...but it seemed a good offer, so I went for it...I wrote him that I am interested for this loan. Within 10 minutes, he responded back thru the email and informed me that I am approved and this personal loan is now on my checking account. No any document was requested. Meanwhile, credit card was on the way...
On the other hand, 2 days ago I tried to log-in to my online account with them and found that everything was shut it down.. I called them to inquire what happened. My call was transfered to their Fiancial Crimes dept @ Fraud Dept...They asked me to send over tons of documents to them...They provided me their email address. I right away sent them those documents. Only now I got an email that my account is verified and everything is clear to go...which was anyway thru my efforts of calling them over the phone since this morning....So, now everything seems ok. I actually tried to get this card 3 yrs ago but they denied me for the membership back then because of Chex report as I was told that I had too many inquiries in there at that time even though I had only 3...They said anything more than 2 inquiries in 6 months is too many for them....But this time I played their credit game with a stretegy...I paid only $1 to join this CU....
(2) Penfed Power Cash Reward : I have been watching a thread on here about Penfed wherein link is given to check if we can get approved or not...and if we do get approved then for how much limit....I didnt want to apply for this card, but just to check if I get approved or not...and for how much....I tried..knowing I had nothing to lose because it would be a SP....It turned out that I am approved for $33k limit....I really didnt want to apply but couldn't let pass this much limit card...So, I accepted the offer...and it got instantly approved...but within a second I received a message that my application is under review and I would hear from them 7-10 days....I knew that it would definitely be a denial. I never heard anything in 18 days and I also forgot about it as I was busy in forming strategy for other cards....Only 3 days ago I received an email that my application for this card got approved. I applied for this card on August 3, and I got approval on August 22. They did ask me to send to them my paystubs for 4 weeks and two years's tax returns which I did immediately...and an hour later approval email came. This card also has a bonus of $150 after spending $1500 in first 90 days, I think. I have Gold Power Cash card from Penfed for the last 4 and half years with CL of $23k. They had denied me for their Pathfinder card 3 years ago...and since then I never ever asked them for any CLI or applied anything with them.
(3) Citi Premier: I received a targeted offer for this card...and I really didnt want to apply for this card too...not because I dont like it, rather I didn't want myself to be over burden with all these crazy spending for the bonuses....So, I waited until the last day and a few hour before this offer was going to expire. Yesterday night (around 11pm) I responded to this offer while it was going to expire in an hour...I didnt want to pass this offer too because bonus is very promising and I might cancel this card after a year since it has an AF. It would give me a bonus of 60k bonus ThankYou points after spending $4k within first 3 months...which could be redeemable for $600...For a limited time its giving 10x points on hotels, car rental and other attractions....and yearly I can get $100 hotel credit which could easily offset its AF of $95. I think, first year's AF is waived but I have to check on this.
So, when I applied...wheel spinned...and then its said that I will hear from them in 7-10 days...I knew that it is a denial. However, this morning around 10 am I got an email to let me know that its approved for the CL of $26,700. This is my second Citi card in 64 days...I have targeted offer of two more of their cards but I guess I will not be able to get those because I believe Citi has internal rule of only two cards in 65 days...By this rule, I am ok , but citi doesn't like someone having tons of new accounts...
(4) Greenstate World MC : I called this CU to inquire how I could join them. Representative asked me my email address...and she said that she would send me all info in there and I need to follow upon. A few minutes later I received an email from here wherein tons of questions and documents were requested. I provided everything...One question was what kind of account or accounts I would like to open with them...I answered that I like checking, saving, and credit card...A day later I received right away Docusign for checking account, saving account and a credit card with a CL of $29k...I was so surprised that without joining and I don't even live in their geoprints..and I had to do nothing...and without any HP everything was handed over to me on a silver platter....especially with such a high CL...and without any additional documents especially income related....and within a day...I wanted to get their other card-Travel card which is their high end card but I am told that I have to wait at least 6 months for it because its not available for new members. It comes with a bonus too...not that much but it matters whatever it is....$50 bonus after spending $500 in first 60 days...I obtained this card July first week...So, I need to do some more shopping by the end of this weekend to meet $500 in purchases. They check TU as a SP.
(5) Chase Business Unlimited : I never thought that I would get this card because I was 7/24. I went to the Chase branch which is use a block away from my house...The manager knew me so well for the last many years...I have been banking with Chase for the last 31 years and have checking, saving, and business checking accounts with them. Branch manager insisted me to apply for this card even though I told her that I am definitely going to get denied because I have two more cards with high limit and I am over 5/24....She said that if my application would get denied then she would call their credit dept...and might be able to do something for me. Though I didnt believe her, but then thought I might lose only a HP...So, she filled out everything from her computer online and it was instantly denied. Then she went on the phone and spoke a few people for 45 minutes later and I got approved for $75 CL...I got shocked...I have had 3 accounts with Chase for the last 11 years... one I just closed down a few months ago...I got not even one CLI in 11 yrs...and now this card with this much limit !!!...
Don't know if all these played any role but my score is 828...no any new account reported when I applied for this card in last 8-9 months...have a very thick profile...and my 31-33 yrs of banking relationship with Chase.....I got the similar experience with Elan Financial business card 3 years ago when one of my local bank's manager insisted me to apply for their business credit card...It got denied first but then manager made the call and spoke with their credit dept....and I got my first business card with a huge CL. It was Flushing Bank but Elan Financial issue their credit cards...and I was banking with that bank for many years too...So, sometimes relationship with banks do matter.
CONGRATS! 🎉🎉🎉 WAY TO GO!!!