@Anonymous wrote:
@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
@Anonymous wrote:
@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
What?! Aw man, here we go. US Bank needs to tighten up that outfit over there. Lol
@Mr_Mojo_Risin wrote:
@Anonymous wrote:
@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
What?! Aw man, here we go. US Bank needs to tighten up that outfit over there. Lol
I guess I'm just going to have to learn some more patience. 💀
@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.
Congratulations @Anonymous !!
I'm so glad you decided to go for it before the changeover !
Quick PSA on SP CLI's: They don't exist. I think the script is confusing for the CSR. What it's actually saying is you are (pre-approved) computer authorized for X amount; if you want more we need to send it for a manual review. But Beware: BOTH options will require a HP during processing! Depends on timing, they may pull on the following day. So always ask for what you want because regardless, they will pull your credit report. I speak from experience as I went through this in March, raised sand about the HP and had a lady from the Credit Dept explain it thoroughly.
Congrats on the increase and holding out for a year!
Congratulations on your CLI!!
I had a similar experience with a BBVA CLI last year. I don't know if the lower amount was a SP or not, but I asked for a manual review. The difference was substantial.
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BBVA-ClearPoints-CLI-approved/td-p/6215098
Congrats on your CLI! 
@ocheosa 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.
Congratulations @Anonymous !!
I'm so glad you decided to go for it before the changeover !
Quick PSA on SP CLI's: They don't exist. I think the script is confusing for the CSR. What it's actually saying is you are (pre-approved) computer authorized for X amount; if you want more we need to send it for a manual review. But Beware: BOTH options will require a HP during processing! Depends on timing, they may pull on the following day. So always ask for what you want because regardless, they will pull your credit report. I speak from experience as I went through this in March, raised sand about the HP and had a lady from the Credit Dept explain it thoroughly.
I was always under the impression they didn't exist either but I have never had a delayed HP on TU before so I figured it must have been a SP for that initial $300. Thanks for the info.
I always forget about the PNC changeover... I really hope they don't wreck this card. 
@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.
Nice BBVA approval -- Congrats! & thanks for the details.
I am confused about how much CLI the HP bought you. Is $5000 the CLI, or the new CL. If the latter, how much CLI was given? Thanks. Great card.