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Shell Rocks!

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ronstar7
Established Contributor

Re: Shell Rocks!


@Creditaddict wrote:

Since it's a Citi backed card I would bet 99% that they pulled TU if they pulled credit.

OP I would go back in and ask for CLI to $2k and get the full counter of what they are willing to increase you too... if they pulled credit already for your $100 request, they will use that pull for the 2nd request.


Hey, no they pulled EX only Im in NJ dont know if that matters. Should I still ask for more? I have not receved any alerts for a HP for the credit increase. As far as I know the only pull I got was on EX last week when I applied. I got the card yestereday and set up an online account and then went for the credit increase, they approved it in less than an hour.

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 11 of 32
Creditaddict
Legendary Contributor

Re: Shell Rocks!


@ronstar7 wrote:

@Creditaddict wrote:

Since it's a Citi backed card I would bet 99% that they pulled TU if they pulled credit.

OP I would go back in and ask for CLI to $2k and get the full counter of what they are willing to increase you too... if they pulled credit already for your $100 request, they will use that pull for the 2nd request.


Hey, no they pulled EX only Im in NJ dont know if that matters. Should I still ask for more? I have not receved any alerts for a HP for the credit increase. As far as I know the only pull I got was on EX last week when I applied. I got the card yestereday and set up an online account and then went for the credit increase, they approved it in less than an hour.


id ask for more, sounds like they are using the original pull.

Message 12 of 32
ronstar7
Established Contributor

Re: Shell Rocks!


@Creditaddict wrote:

@ronstar7 wrote:

@Creditaddict wrote:

Since it's a Citi backed card I would bet 99% that they pulled TU if they pulled credit.

OP I would go back in and ask for CLI to $2k and get the full counter of what they are willing to increase you too... if they pulled credit already for your $100 request, they will use that pull for the 2nd request.


Hey, no they pulled EX only Im in NJ dont know if that matters. Should I still ask for more? I have not receved any alerts for a HP for the credit increase. As far as I know the only pull I got was on EX last week when I applied. I got the card yestereday and set up an online account and then went for the credit increase, they approved it in less than an hour.


id ask for more, sounds like they are using the original pull.


I just did, I asked for the 2k lijke you said never asked for that much in my life! Obviously I wont get the whole thing but hopefully I will get something. I should have did it the first time instead of asking for a measley $100 Smiley Sad Oh well you live and you learn and then you get luvs lol. Will update when I hear from them.

 

Thanks again!

Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX

Current Scores EQ 582 TU 597 EX 601 Goal 700+ across
UTL
Last Inq: 8/3/2024

Starting Score: 582
Current Score: 582
Goal Score: 700


Take the myFICO Fitness Challenge

Chapter 7 BK filed 4/18/24 Discharged 7/22/24
Ally Financial CC 11/24 Credit limit $1,000 preapproval mailer
Message 13 of 32
TatorTodd
Regular Contributor

Re: Shell Rocks!

**Double Posted**

NCFU Flagship(80k) DC Elite (40k) Cash Sapphire Preferred(38k) DC Premier (30k) NFCU CashRewards (25k) USAA Amex (22k) USAA MasterCard (16k) Barclay Arrival+ Elite (15k) Nordstrom (15k) BofA Rewards (12.5k) 4 Amices (50k)

As of 10/13/14
Experian: 787 - EquiFax: 798 - TU: 789
Message 14 of 32
CreditMagic7
Mega Contributor

Re: Shell Rocks!


@ronstar7 wrote:

I couldnt wait to wake up and tell you guys!! I just received my shell drive for 5 card yesterday, activated it and set up an online account and for the heck of it I ht the luv button they asked how much I wanted I said only $100 because I was scared of getting denied and then got the 7-10 message, Fast forward an hour, they emailed said they have reached a decision... boom request granted!! I know I really dont need a $300 gas card but hey nothing like seeing approved when you ask for more money. Now that I think of it I should have asked for more lol.

 

Have a great day Fico Fam!!

 

Edit: At the advice of a fellow Fico'er I asked for more and they gave me an additional $200. To a total of $500. Im good for now, I mean how much gas can I really use anyway filled up last night and it only came to $35 lol!! Might ask again around xmas time since we will be driving from NJ to NC and back. Also dropped my fico ex down 4 points but that was due to both the inquiry and new account so not that bad. Back to the garden I go and this time I can drive cuz I have a gas card!!Smiley Very Happy

 

Thanks everyone!


The point is, no matter the CC, any rise from a starting limit upwards is definitely welcome!

 

Congrats! Smiley Happy

Message 15 of 32
TatorTodd
Regular Contributor

Re: Shell Rocks!

with shell it has always been a HP, so be careful. Before, when i didnt know what a HP and a SP were, or that asking for the CLI's would result in them, I was asking every other week, got 8 hard pulls from them. Mine is at 1200, and I use atleast 900-1150 in gas a month. so its PIF'ed every month or sooner

NCFU Flagship(80k) DC Elite (40k) Cash Sapphire Preferred(38k) DC Premier (30k) NFCU CashRewards (25k) USAA Amex (22k) USAA MasterCard (16k) Barclay Arrival+ Elite (15k) Nordstrom (15k) BofA Rewards (12.5k) 4 Amices (50k)

As of 10/13/14
Experian: 787 - EquiFax: 798 - TU: 789
Message 16 of 32
-Wade-
Valued Contributor

Re: Shell Rocks!


@ronstar7 wrote:

I couldnt wait to wake up and tell you guys!! I just received my shell drive for 5 card yesterday, activated it and set up an online account and for the heck of it I ht the luv button they asked how much I wanted I said only $100 because I was scared of getting denied and then got the 7-10 message, Fast forward an hour, they emailed said they have reached a decision... boom request granted!! I know I really dont need a $300 gas card but hey nothing like seeing approved when you ask for more money. Now that I think of it I should have asked for more lol.

 

Have a great day Fico Fam!!

 

Edit: At the advice of a fellow Fico'er I asked for more and they gave me an additional $200. To a total of $500. Im good for now, I mean how much gas can I really use anyway filled up last night and it only came to $35 lol!! Might ask again around xmas time since we will be driving from NJ to NC and back. Also dropped my fico ex down 4 points but that was due to both the inquiry and new account so not that bad. Back to the garden I go and this time I can drive cuz I have a gas card!!Smiley Very Happy

 

Thanks everyone!


Congrats on your approval Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 17 of 32
alvon123
Super Contributor

Re: Shell Rocks!

congrats


Message 18 of 32
gdale6
Moderator Emeritus

Re: Shell Rocks!

Grats on your Shell card and successful increase Smiley Happy

Message 19 of 32
BearsAndTurtlesRtheBest
Senior Contributor

Re: Shell Rocks!

no worries people who have this card wish $100 is what they at least got for having the card a couple of years. Congrats!!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 20 of 32
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