Marvel Approval + CareCredit CLI

[Total80sKid]

I applied for the Marvel MasterCard because my Transunion shot up to 779 today, so figured I might get a nice approval or could call in for a CLI like I have read many here do.

So I applied online and it went to a page that gave me a reference # and a phone # to call to complete my application.

I called and it was the fraud dept. just wanting to verify a few things.

I was approved for $2k.

Immediatly called the # posted on here to request a CLI. They couldn't find it in the system by my SSN or my other info, as I was not given an acct. #.

So I guess I will try to call back once I recieve that card. I would think a 779 TU should garner me a decent limit. I know when I was denied by amazon before my score was always out of date and since today it hit 779 from yesterdays 749, I think when they do CLI SP's, it uses a fresh SP.

Data Points:

TU: 779

Baddies: 0

Inquiries: 8

AAoA: 3yrs

Income: $42,700 (combined with roomies)

UTI: 17%

Payment History: 100%

**Knowing what my score and other info is, what do you think I may be approved for once I call back?

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When I was talking to Credit Solutions, she pulled up CareCredit for some reason after she told me she couldn't pull up the newly approved Marvel MC. So I went along with it, since it's a SP. Asked for $25k and was approved for $20k up from $9k. Not too shabby, though I'd rather it be on my Marvel Card.

It will also help my two cards with high UTI with BT's.

ETA:

Super proud of my fico scores! No idea why, but not complaining! They keep shooting up!

 

[peghede]

Congrats m8 . but be careful, thats how it starts with synchrony r.i.p and lexus nexus , marvel card is the red flag with them,then u ask for 25k . they keep logs of cli requests...if the stuff hits the fan..i told u so.

[Gmood1]

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Thats Awesome! Congrats

[CreditCuriosity]

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@peghede wrote:

Congrats m8 . but be careful, thats how it starts with synchrony r.i.p and lexus nexus , marvel card is the red flag with them,then u ask for 25k . they keep logs of cli requests...if the stuff hits the fan..i told u so.

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Agree especially if you are using "roomies" income as well.. If they hit you with the blue envelope they want just YOUR income.  I would be happy with say 5k on the card and call it the day.  Just my warning to you.    Your scores are nice, but once again income is a huge factor especially with Sync. and they want your NET income like most creditors want gross like other creditors so that 40kish becomes 30k, etc.

[Total80sKid]

Thanks, guys!

So should I just leave everything alone then and hope for an auto CLI on the Marvel?

That Amazon ($10k) and CareCredit ($20k), are two of my biggest limits. CareCredit being $9.5k over my 2nd highest limit.

[Anonymous]

Congrats on the Approval and CLI!

[CreditCuriosity]

I would personally leave it alone.. Just my 2 cents no sense it poking the bear.  Great score you want to keep them that way and not have the Amazon/Care Credit account open by not getting the blue envelope 

[peghede]

lol m8, he already poke the "bear" (it's synchrony r.i.p not no bear) hope his lucky to fly some time before they hammer him like a nail.

i hate when people here (some are mod sad to say..) they go "call credit solutions ,ask for max ,bla bla bla, stupid advise and dumb.they never mention about the risk they take when they do dat.

[Total80sKid]

Geez, now I'm super worried.

The CareCredit was my first CLI request and I'm hoping it was notated that I actually called for the Marvel Card.

I only agreed to check on an increase for the CareCredit because at some point, I will use it for cosmetic dentristy.

Would it help if I don't activate the Marvel Card?

I'm really scared now.

[pip3man]

Man I don't believe asking for multiple CLI leads to being faced with SYNCB wrath cos if that was really the case my accounts would have been closed by now. Like I ask for CLI every day or two since God knows when and if they ever decide to close my accounts then so be it at least I don't owe them a penny.