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Propel CLI

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coreyb80
Super Contributor

Re: Propel CLI

Congrats on the nice increases!

Message 11 of 19
Rebuild2019
Valued Contributor

Re: Propel CLI

Congratulations 🎉🎈🎊 on your CLI.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 12 of 19
firefox100
Valued Contributor

Re: Propel CLI

 

Congratulations on your credit increase on your Propel creditcard. It is nice credit card, the first increase must be six months after opening the account then you can request CLi every 4 months after. My  account went from 7K to 25K in couple of years on soft pulls only, after 25K they want to do a hard pull to go higher. enjoy your Propel amex creditcard.

Message 13 of 19
Relatxbles
Regular Contributor

Re: Propel CLI

Nice work on the WF CLI! 




Message 14 of 19
NRB525
Super Contributor

Re: Propel CLI

Congrats on your SP CLIs !

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 15 of 19
NRB525
Super Contributor

Re: Propel CLI


@Anonymous wrote:

Is there a specific reason for using this card as a "gas card" as opposed to another?


If the OP has other rewards cards that earn better on categories such as dining or other travel, then optimization says use this card only if a category on this card is better than any other option. That would apparently be gasoline via the Propel card. 

 

Another consideration, however, is whether one is building up points in a particular system such as AMEX MR, Chase UR, Citi TYP, or Wells Fargo Rewards. If OP is not building a mass of points in WF Rewards, then the gas usage keeps the card active, earning decent rewards.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 16 of 19
ccquest
Established Contributor

Re: Propel CLI


@NRB525 wrote:

@Anonymous wrote:

Is there a specific reason for using this card as a "gas card" as opposed to another?


If the OP has other rewards cards that earn better on categories such as dining or other travel, then optimization says use this card only if a category on this card is better than any other option. That would apparently be gasoline via the Propel card. 

 

Another consideration, however, is whether one is building up points in a particular system such as AMEX MR, Chase UR, Citi TYP, or Wells Fargo Rewards. If OP is not building a mass of points in WF Rewards, then the gas usage keeps the card active, earning decent rewards.


Pretty much the first one here, the Altitude Go beats it on food and has the bonus $15 credit for a streaming service after 12 months of payments. I did use it for my vacation that just happened and put flights/Airbnb charges on the card too but that's just once or twice a year while gas is all the time. I liked the Propel before I found the Altitude Go, but decided to go for both to get the extra % on travel + gas.

as of 1/1/23
Current Cards:
Message 17 of 19
Jordan23ww
Valued Contributor

Re: Propel CLI

Congratulations on your limit increases!

      


Message 18 of 19
FalconSteve
Valued Contributor

Re: Propel CLI

Congrats on the CLI!

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 19 of 19
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