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BBVA ClearPoints CLI - approved.

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
Established 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

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

TU809 EQ795 EX795(09/21)
Message 5 of 17
cashorcharge
Valued Contributor

Re: BBVA CearPoints CLI - approved.

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

Message 6 of 17
sxa001
Established 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
Established 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?

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
Credit Scores for both of us around 800, depending on what you pull & balances

All PIF, frequently before statement close
Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback), Chase Freedom flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge, my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card,Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
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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