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BBVA CLI

M_Smart007
Epic Contributor

Re: BBVA CLI


@Saeren wrote:

@Mr_Mojo_Risin wrote:

@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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


Message 11 of 44
Mr_Mojo_Risin
Valued Contributor

Re: BBVA CLI


@Saeren wrote:

@Mr_Mojo_Risin wrote:

@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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

 

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 12 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@Mr_Mojo_Risin wrote:

@Saeren wrote:

@Mr_Mojo_Risin wrote:

@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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. 💀 





Message 13 of 44
ocheosa
Established Contributor

Re: BBVA CLI


@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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 @Saeren !!

I'm so glad you decided to go for it before the changeover !

Image result for money counter gif

 

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.

Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's.
Business: Staples Commercial LOC. (My first bus acct !!)

[3/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 6, TU 2. AAoA=5y, AoOA=33y9m, AoYA=3m.
TCL=$286K. 2021 GOAL: Garden til 1/2022.
Message 14 of 44
KLEXH25
Valued Contributor

Re: BBVA CLI

Congrats on the increase and holding out for a year!





Message 15 of 44
mrcraft
Valued Contributor

Re: BBVA CLI

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

 





Message 16 of 44
AZnotorious
Valued Member

Re: BBVA CLI

Congrats on your CLI! Smiley Happy

Message 17 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@ocheosa wrote:

@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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 @Saeren !!

I'm so glad you decided to go for it before the changeover !

Image result for money counter gif

 

 

 

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. Smiley Sad





Message 18 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@mrcraft wrote:

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

 


Seems like their system is stingy almost to the level of Capital One lol. Good thing we have a manual review option! I would have been ticked off with a $300 CLI after almost 2 1/2 years...





Message 19 of 44
James_A
Valued Contributor

Re: BBVA CLI


@Saeren 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. 

73531941-99A8-428C-91F9-19389D62DFED.jpeg


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! Smiley Happy& 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. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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Message 20 of 44
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