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BBVA CLI

mystikal1
Established Contributor

Re: BBVA CLI

@Saeren 

Congrats on CLI. What was you limit before?

Message 21 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@James_A 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. 


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. 


Original SL was $2K so I got a $3K CLI. Let me fix that in the post. Smiley Happy





Message 22 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@mystikal1 wrote:

@Saeren 

Congrats on CLI. What was you limit before?


It was originally $2K. 





Message 23 of 44
James_A
Valued Contributor

Re: BBVA CLI


@Saeren wrote:


... Original SL was $2K so I got a $3K CLI. Let me fix that in the post. Smiley Happy


That's 150% == very nice! Smiley WinkThanks for the clarification. 

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 24 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@James_A wrote:

@Saeren wrote:


... Original SL was $2K so I got a $3K CLI. Let me fix that in the post. Smiley Happy


That's 150% == very nice! Smiley WinkThanks for the clarification. 


Yeah I was quite happy with 2.5X considering that I only use this card when they have offers. I have been using AOD for utilities and BCE for groceries so this card no longer gets spend every month. 





Message 25 of 44
Carmy03
Established Contributor

Re: BBVA CLI

Thanks for the info. Congrats.

Message 26 of 44
ocheosa
Established Contributor

Re: BBVA CLI


@Saeren wrote:

@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


Unfortunately when I called in March was offered the system approved SP CLI, it was prob about 6pm. I asked the CSR about 5 times if he was sure about it being a SP? His continued response was Yes. I felt confident since we were on a recorded line, I even mentioned that while he was busy typing. Well the following morning I received a TU HP Alert. Called late afternoon and complained. They opened a ticket (investigation) said they would review the call. I received a call back 3 days later from the credit department. The rep confirmed it was bank policy that a credit report is pulled each time an account is reviewed for an increase. She said they did review the call but it was nothing they could do, the HP stood. I couldn't even get the amount raised because the clock was reset. Oh well, you live and you learn. 

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 27 of 44
Saeren
Mega Contributor

Re: BBVA CLI


@ocheosa wrote:

@Saeren wrote:

@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


Unfortunately when I called in March was offered the system approved SP CLI, it was prob about 6pm. I asked the CSR about 5 times if he was sure about it being a SP? His continued response was Yes. I felt confident since we were on a recorded line, I even mentioned that while he was busy typing. Well the following morning I received a TU HP Alert. Called late afternoon and complained. They opened a ticket (investigation) said they would review the call. I received a call back 3 days later from the credit department. The rep confirmed it was bank policy that a credit report is pulled each time an account is reviewed for an increase. She said they did review the call but it was nothing they could do, the HP stood. I couldn't even get the amount raised because the clock was reset. Oh well, you live and you learn. 


Ugh! I would have been pretty ticked off at that whole situation! 





Message 28 of 44
kilroy8
Super Contributor

Re: BBVA CLI

Congrats!

Message 29 of 44
kittycreditmeow
Frequent Contributor

Re: BBVA CLI

Congratulations on the CLI! 🙂

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Message 30 of 44
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