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Since it's been a year without apps I decided to go ahead and go for a CLI. I got the card 12/2018 with a $2K SL and was shot down for a CLI once when it was like 6 months old for being too new. Since I don't have any TU apps planned, I decided to try again today. I called and the guy told me the system was only offering $300 but that he could submit for a manual review for more. Asked for $5000 and just got a hard pull alert on TransUnion and I see the full amount was granted.
It does seem like the amount the system offers you is actually offered with a SP because in order for him to submit the manual review request I had to accept the $300 and that was reflected immediately with no HP but I am trying to get as many cards to $5K as possible. Of my 18 cards, only Target ($800), DCU ($1K with CLI request pending), QS ($2K), WS VISA ($2K with CLI request pending), and Cash Magnet ($3K) are under $5K now.
I probably could have asked for more but I didn't want to chance wasting a HP.
ETA: I have been informed that there is no SP with BBVA even if they tell you it will be SP.
Congrats on the increase. This is interesting b/c up to this point I didn't know they could approve you for any kind of CLI w/o a HP. The last time I requested one on my hardly ever used BBVA AMEX was 4 years ago and they doubled my limit after manual review and it was a HP on TU. I'm gonna have to give them a call to see if they'll offer me anything with a SP.
@Credit-hoarder wrote:Congrats on the increase. This is interesting b/c up to this point I didn't know they could approve you for any kind of CLI w/o a HP. The last time I requested one on my hardly ever used BBVA AMEX was 4 years ago and they doubled my limit after manual review and it was a HP on TU. I'm gonna have to give them a call to see if they'll offer me anything with a SP.
Thanks, it's been a long time coming honestly. I've had this card since 12/2018.
Make sure you freeze the credit bureaus before trying just in case. The system definitely gave me $300 before the HP but the rep gave me the spiel about a hard pull before he entered any of my info in the system to get that offer. This is one of my most used cards and certainly my most profitable so it was worth the HP. Good luck!
Congratulations on your BBVA CLI !
Congratulations on your BBVA CLI!
Grats on the double hit
@Anonymous wrote:Since it's been a year without apps I decided to go ahead and go for a CLI. When I called the guy told me the system was only offering $300 but that he could submit for a manual review for more. Asked for $5000 and just got a hard pull alert on TransUnion and I see the full amount was granted.
It does seem like the amount the system offers you is actually offered with a SP because in order for him to submit the manual review request I had to accept the $300 and that was reflected immediately with no HP but I am trying to get as many cards to $5K as possible. Of my 18 cards, only Target ($800), DCU ($1K with CLI request pending), QS ($2K), WS VISA ($2K with CLI request pending), and Cash Magnet ($3K) are under $5K now.I probably could have asked for more but I didn't want to chance wasting a HP.
You held out for a year! You deserve that 5K lol, big congrats to you!
@Anonymous
Congrats 👍
@Mr_Mojo_Risin wrote:
@Anonymous wrote:Since it's been a year without apps I decided to go ahead and go for a CLI. When I called the guy told me the system was only offering $300 but that he could submit for a manual review for more. Asked for $5000 and just got a hard pull alert on TransUnion and I see the full amount was granted.
It does seem like the amount the system offers you is actually offered with a SP because in order for him to submit the manual review request I had to accept the $300 and that was reflected immediately with no HP but I am trying to get as many cards to $5K as possible. Of my 18 cards, only Target ($800), DCU ($1K with CLI request pending), QS ($2K), WS VISA ($2K with CLI request pending), and Cash Magnet ($3K) are under $5K now.I probably could have asked for more but I didn't want to chance wasting a HP.
You held out for a year! You deserve that 5K lol, big congrats to you!
Let's see if US Bank feels the same. App status line says it can't find my application lol