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BBVA ClearPoints CLI - approved.

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mrcraft
Valued Contributor

BBVA ClearPoints CLI - approved.

On Saturday, I called the number on the back of my credit card to request a CLI knowing it would be a HP.  I asked for my CL to be increased to $20,000.  I provided the CSR will the usual information they ask.  She informed me that this will require a HP.  I said, "Please go ahead."  She gave me two options, 1) the instant computer generated CLI of $1,700 or 2) send it in for manual review.  Based on another thread, I said, "Please forward to your UW."  She told me, I would know in 3-5 business days.  I thanked her.

 

This morning, I saw alerts that my TransUnion CR was pulled.  I checked my BBVA account and received the full amount requested.  Smiley Happy

 

  • Opened on 2/19
  • Starting Limit was $11,200
  • No auto-CLI for me that others reported
  • Hard pull on TU, FICO 8 720
  • Utilization at ~1%
  • New credit limit is $20,000

 

I use my BBVA card to pay for utilities at 3% and other random stuff, usually ~$400-600/month.  Unless I have a 0% offer, it's PIF.  I really like this card.

 



Message 1 of 17
16 REPLIES 16
Elpadrino1
Valued Contributor

Re: BBVA CearPoints CLI - approved.

Congrats on your CLI!

Message 2 of 17
AllZero
Mega Contributor

Re: BBVA CearPoints CLI - approved.

Congratulations on your CLI! That's a great limit.
Message 3 of 17
gdale6
Moderator Emeritus

Re: BBVA CearPoints CLI - approved.

Grats on your CP CLI Smiley Happy

Message 4 of 17
heeseon
Frequent Contributor

Re: BBVA CearPoints CLI - approved.

Congratulations

TU789 EQ786 EX791(05/23)
Message 5 of 17
cashorcharge
Community Leader
Super Contributor

Re: BBVA CearPoints CLI - approved.

Nicely done!  Sounds like the right decision!  Congratulations on your approval!

Message 6 of 17
sxa001
Valued Contributor

Re: BBVA CearPoints CLI - approved.

Very nice boost.  Sometimes it works out to be patient and let the manual process happen.  Worse case is they countered but it would have probably been more than the $1700 so doesn't hurt at all. 


Message 7 of 17
FalconSteve
Valued Contributor

Re: BBVA CearPoints CLI - approved.

Congratulations!

 

That's a big difference. If you wouldn't have sent it to the UW, would it still have been as HP?

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 8 of 17
mrcraft
Valued Contributor

Re: BBVA CearPoints CLI - approved.


@FalconSteve wrote:

Congratulations!

 

That's a big difference. If you wouldn't have sent it to the UW, would it still have been as HP?


Probably.  The CSR confirmed if I was okay with the HP before she submitted my information for their initial CLI offer.



Message 9 of 17
dudefromtx
Established Contributor

Re: BBVA CearPoints CLI - approved.

Fantastic CLI! Congrats!

Message 10 of 17
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