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Apple, USAA, Citi, PenFed, Amex, Navy -- $70,700!!! (CLI & CLD!)

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Valued Contributor

Apple, USAA, Citi, PenFed, Amex, Navy -- $70,700!!! (CLI & CLD!)

Hey All - been a bit since I posted an approval. Finally got my Apple invite today so made a whole affair of it lol Waited until I got home, had a couple drinks to bring it down a notch, and then jumped right in. 

 

Apple MC (TU HP)

  • $25,000 SL
  • 12.99% APR
  • TU F9 785

USAA Amex CLI (EX HP)

  • CLI'd from $8,000 < $15,000
  • EX F8 775
  • Total exposure now $50,000 ($30k Limitless, $5k VS, $15k Amex)

Citi Dividend WMC CLI (EQ SP)

  • CLI'd from $11,500 < $16,500
  • EQ score from thier online banking shows 803
  • Total exposure now $57,200 ($40.7k DC, $16.5k Dividend)

PenFed Personal Loan (EQ HP)

  • $20,000 @ 7.99% for 60mo
  • EQ F9 790
  • Total exposure now $106k ($43k PenFed Amex, $5k PenFed VS, $38k Auto, $20k Personal Loan)

**UPDATE** Decided to take a stab at my Schwab Amex lol why not right

Schwab Inverstor Amex CLI (EX SP)

  • CLI'd from $10,000 < $18,000
  • EX F8 775
  • Total exposure now $67,000 -- I think I'm pretty much at my max with them, but I won't know until I give it a few months and try again on another card Smiley LOL

**UPDATE #2** Just hit Navy up for some too Smiley LOL

Navy Platinum V CLI (EQ SP)

  • CLI'd from $15,300 < $25,000 > $21,000
  • EQ F9 790
  • Total exposure now $84,000 ($59k Flagship & $25k Platinum -- does my $15k CLOC count to?) Smiley LOL time for another shot! CHEERS!

**UPDATE #3**

Just got a call from Navy that they had to reduce my auto-approved CLI from $25k to$21k. The auto-approval moved my total Navy CC exposure to $84,000 and they only allow $80,000 across all cards Smiley LOL What can you do right lol

 

STATS:

  • 1 new account < 6 months
  • 7 new accounts < 12 months
  • 2 inquiries < 6 months
  • 8 inquries < 12 months 
  • UTI 1% of $500k

Feeling Flush Smiley Happy

Message 1 of 64
63 REPLIES 63
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Valued Contributor

Re: Apple, USAA, Citi, PenFed -- $57,000!!!

w00t w00t those are some amazing CLI's and niceeeee Apple Card approval with that killer APR!!

index.jpg




"Your ego is writing checks your body can't cash".
Message 2 of 64
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Community Leader
Valued Contributor

Re: Apple, USAA, Citi, PenFed -- $57,000!!!


@credit_is_crack wrote:

Hey All - been a bit since I posted an approval. Finally got my Apple invite today so made a whole affair of it lol Waited until I got home, had a couple drinks to bring it down a notch, and then jumped right in. 

 

Apple MC (TU HP)

  • $25,000 SL
  • 12.99% APR
  • TU F9 785

USAA Amex CLI (EX HP)

  • CLI'd from $8,000 < $15,000
  • EX F8 775
  • Total exposure now $50,000 ($30k Limitless, $5k VS, $15k Amex)

Citi Dividend WMC CLI (EQ SP)

  • CLI'd from $11,500 < $16,500
  • EQ score from thier online banking shows 803
  • Total exposure now $57,200 ($40.7k DC, $16.5k Dividend)

PenFed Personal Loan (EQ HP)

  • $20,000 @ 7.99% for 60mo
  • EQ F9 790
  • Total exposure now $106k ($43k PenFed Amex, $5k PenFed VS, $38k Auto, $20k Personal Loan)

 

STATS:

  • 1 new account < 6 months
  • 7 new accounts < 12 months
  • 2 inquiries < 6 months
  • 8 inquries < 12 months 
  • UTI 1% of $500k

Feeling Flush Smiley Happy


Cha-Ching! Congrats on the successful apps and CLI. Cheers 🍺 

No Signature Required
Message 3 of 64
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Community Leader
Mega Contributor

Re: Apple, USAA, Citi, PenFed -- $57,000!!!

Is that you @Mahraja ? You little stinkerSmiley Wink

 

Man i want a line of whatever you are serving haha😛 Id give up Miss Disco for you Penfed loan🤦‍♂️

Message 4 of 64
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Valued Contributor

Re: Apple, USAA, Citi, PenFed -- $57,000!!!

The crack is back! Huge congrats on approvals and cli’s! You know crack is very addictive 😂
Don’t get me started on a spree of my own now! 🤣🤣
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Sept 2020 (TU 782) (EQ 766) (EXP 745)
$600k+ Tradelines in progress
Gardening until at least Jan 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 5 of 64
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Valued Contributor

Re: Apple, USAA, Citi, PenFed -- $57,000!!!

Thanks @Hasselfree!

Message 6 of 64
Highlighted
Valued Contributor

Re: Apple, USAA, Citi, PenFed, Amex -- $65,000!!!

Just logged onto my Schwab Amex to poke the bear lol Approved to $18,000! I'll take it! 

 

I was going to double-dip the USAA HP so pulled up my oldie VS and hit "increase credit limit" but got the "Your request cannot be completed online. Please call us to review your request. A report was not pulled"

 

I've always thought they had a hard $50k limit but I wonder if I gave 'em a buzz what would happen lol Is it possible to ask for more and it just requires manual review??

Message 7 of 64
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Super Contributor

Re: Apple, USAA, Citi, PenFed, Amex -- $65,000!!!

Congratulations on you approvals and CLI!

Somewhere out there is a lender holding out on you for $35k. Got to hit that $100k mark.
Message 8 of 64
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Valued Contributor

Re: Apple, USAA, Citi, PenFed, Amex -- $65,000!!!


@AllZero wrote:
Congratulations on you approvals and CLI!

Somewhere out there is a lender holding out on you for $35k. Got to hit that $100k mark.

Smiley LOL Thanks @AllZero! It would be pretty wild to bank $100k in a single night lol besides, at least all the inquiries could age together lol

Message 9 of 64
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Community Leader
Mega Contributor

Re: Apple, USAA, Citi, PenFed, Amex -- $65,000!!!

WTFico, i step away a moment and come back to more cli?Smiley Wink. Quick, somebody youtube some CIC Music Factory STATSmiley Happy
Message 10 of 64
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