Three CLIs: Propel, Prime, & Surpass

okurosetta · ‎08-09-2021

I got three CLIs in the past three weeks. FICO 8 scores were all in 740s.

First was Wells Fargo Propel, from $1.9k -> $2.4k. SL was $1.5k, took a year before they approved any CLI, then this was my second a little over six months later. Outside of two AmEx's I barely use (and thus transferred all but $1k from), this remains my lowest card limit. But, it is something! Requested $5k ($3.1k CLI) over the phone, countered with $2.4k ($500 CLI). Soft pull (which CSR confirmed before submitting), may have used the 770 EX FICO 9 I last saw through them.

Second was Chase Amazon Prime, as with many others, discussed more here. $1.7k -> $8.5k aka 5X CLI, automatic.

Third was AmEx Hilton Surpass, requested $4k to go from $17k -> $21k. I immediately transferred $1k to my BBP, making the Surpass $20k and BBP $10k - what can I say, I like round numbers (and yes, this was planned). Both CLI and CL transfer were requested online, soft pull. I know I could have requested more, but that's right where I want to be, at least for now.

Continuing to garden until I apply for Cash+, but happy to pick up some soft pull CLIs along the way...

Cashback | Affinity FCU Cash Rewards - $7,500 | 5% Cashback Amazon & Bookstores

Cashback | Amex BCE - $10,000 | Disney+ Bundle Credit

Cashback | Chase Amazon Prime - $8,500 | 5% Cashback Amazon

Cashback | Discover It - $10,000 | 5% Cashback Quarterly Rotating

Cashback | Elan MCP via Harborstone - $2,000 | 5% Recreation & Utilities

Cashback | Elan MCP via SouthState - $4,000 | 5% Cashback Entertainment & Internet, TV, and Streaming Services

Cashback | Navy Federal Platinum - $32,500 | 12.24% APR - Not as good as in the past but still lowest APR card, in case of emergency

Cashback | PenFed Pathfinder - $10,000 | Only swiped occasionally to keep active, keeper for $100 ancillary domestic airline credit

Cashback | PenFed Pathfinder - $15,000 | Only swiped occasionally to keep active, keeper for $100 ancillary domestic airline credit

Cashback | Target REDcard via TD Bank - $2,000 | 5% Cashback (Discount) Target

Cashback | USAA Cashback Rewards Plus - $12,000 | 5% Gas

Cashback | USAA Preferred Cash Rewards - $5,000 | Oldest account by far, keeping open

Cashback | Wells Fargo Autograph - $4,500 | No FTF Visa with 3X categories, primarily used for travel, transit, and streaming, plus Wells Fargo Earn More Mall / My Wells Fargo Deals

Alaska Mileage Plan | Bank of America Alaska Mileage Plan - $20,000 | 3X Alaska Miles Alaska Airlines, Annual Companion Pass (grandfathered no spend required), Checked bag(s) included

AAdvantage | Citi AAdvantage Platinum Select - $13,700 | Aim to PC to Rewards+ after a year, obtained for better SUB / easier approval

Amtrak Guest Rewards | FNBO Amtrak Guest Rewards Preferred - $10,400 | 3X Amtrak Guest Rewards Amtrak, 2X Amtrak Guest Rewards Travel & Transit, Annual Companion Pass

Amex MR | American Express Blue Business Plus - $20,000 | 2X MR non-category (after $15k annual spend on Surpass & $5k spend on Best Western Premier)

Amex MR | American Express Charles Schwab Platinum - NPSL | 5X MR Flights & Brokerage Cashout

Best Western Rewards | FNBO Best Western Rewards Premium - $8,400 | 10X Best Western, 2X non-category, used to hit $5k (primarily non-category with occasional Best Western) every 12 billing cycles for 40k points bonus

Bilt Rewards | WF Bilt Rewards - $15,000 | 3X Dining (post $500 on Custom Cash), Rent Day bonuses

Choice Privileges | Wells Fargo Choice Privileges Select - $14,000 | 10X Choice, 5X Home Improvement Stores

Citi TYP | Citi Custom Cash - $7,000 | 5X TYP Top Category (rotates often)

Citi TYP | Citi Custom Cash - $6,900 | 5X TYP Top Category (Dining)

Citi TYP | Citi Premier - $6,200 | 3X TYP Gas & Hotels | Other categories sometimes used if Custom Cashes are maxed

Curve | Curve Credit Card - $500 | Used to assign/move charges to/from Custom Cash's, Premier, and Savor (P2), as well as other Mastercards

Hilton Points | American Express Hilton Aspire - $10,000 | 14X HP Hilton, Diamond status, annual night certificate

Hilton Points | Amex Hilton Surpass - $10,000 | Used for $15k spend annually (mostly online and non-category) to unlock second certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $10,000 | Only swiped occasionally to keep active, keeper for Anniversary Night Certificate

Future

Future | Chase World of Hyatt | Applying November 2025

P2

AAdvantage | Citi AAdvantage Platinum Select - $20,000 | Checked Bags & Priority Boarding

Cashback | Synchrony Amazon Store Card - $6,400 | 5% Amazon

C1 VM | Capital One Savor - $10,000 (AU; grandfathered no AF version) | 4X VM Cashback Dining, Entertainment, & Streaming, 3X VM Grocery

C1 VM | Capital One Venture X - $20,000 (AU) | 2X Miles no FTF (higher through portal), $300 travel credit, 10,000 anniversary point bonus, Hertz President's Circle, Primary rental car coverage

Chase UR | Chase Sapphire Preferred - $11,800 | 3X UR Dining, Online Grocery, & Streaming, 2X UR Travel

IHG | Chase IHG Premier - $13,700 | 10X IHG, Anniversary Night Certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $11,800 | 6X MB Marriott, Anniversary Night Certificate

Chopping Block

Low Use | Synchrony Premier - $6,500 | 2% Cashback All (Non-AmEx) | Hit activation bonus (was Rakuten Visa), now letting it close to inactivity, prefer using hotel cards or even 2X MR / VM over 2%

Cashback | Bank of America Cash Rewards - $5,000 (AU) | 3% CB Home Improvement/Furnishings | P2 letting it close to inactivity, prefer using hotel cards or even 2X MR / VM over 3%

Chopped

Hilton Points | American Express Hilton Honors - $1,000 | Closed 4/22, prefer Aspire + Surpass long-term

Cashback | Navy Federal More Rewards - $10,000 | Closed 12/22, prefer 2X MR / VM over 3%

Cashback | Synchrony Venmo Visa - $10,000 | Closed 12/22, prefer using hotel cards or even 2X MR / VM over 3%

Amex MR | American Express Platinum - NPSL | Closed 1/23, prefer CS Plat long-term

Hilton Points | American Express Hilton Business - $10,000 | Closed 2/23, prefer Aspire + Surpass long-term

Amex MR | American Express Green - NPSL | Closed 7/23, do not have enough 3X spend to justify annual fee plus we see most travel offers (e.g. $100 off $300 at Marriott) on my BBP

MR | American Express Business Platinum - NPSL | Opened for 150k SUB / 0% APR | Closed 8/23

Amex MR | American Express Gold - NPSL | 4X MR Dining & Grocery | Closed 12/23, prefer 2x Custom Cash + Premier + Curve set-up

Lowest known score was 544 or 546, don't remember anything else

pizzadude · ‎08-09-2021

Congrats on the Chase, AMEX, and WF luv !

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

gdale6 · ‎08-09-2021

Some good moves up here, grats on your trifecta of CLIs

M_Smart007 · ‎08-09-2021

Congrats on all your CLI's

coreyb80 · ‎08-09-2021

Congrats on the approvals!

Mr_Mojo_Risin · ‎08-09-2021

3 in three weeks is some nice action!

Congratulations!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

CreditAggie · ‎08-09-2021

Congratulations on your CLIs!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

credit_is_crack · ‎08-09-2021

Congrats on your CLIs @okurosetta

This is how you win at the game, little by little, inch by inch, patiently. You're on the right path!

$27,000 USAA Preferred Cash Rewards Amex

$6,500 Marriott Premier Plus Business VS

Anonymous · ‎08-09-2021

@okurosetta wrote:
I got three CLIs in the past three weeks. FICO 8 scores were all in 740s.

First was Wells Fargo Propel, from $1.9k -> $2.4k. SL was $1.5k, took a year before they approved any CLI, then this was my second a little over six months later. Outside of two AmEx's I barely use (and thus transferred all but $1k from), this remains my lowest card limit. But, it is something! Requested $5k ($3.1k CLI) over the phone, countered with $2.4k ($500 CLI). Soft pull (which CSR confirmed before submitting), may have used the 770 EX FICO 9 I last saw through them.

===================================================================

Do you regularly use this Propel card? Can you be more specific about barely use- like once a month or once in 3 months or otherwise? Prior to this time when the last time you got CLI on this? Tnx

KingRue8500 · ‎08-09-2021

Congrats on your Wells Fargo Propel, Chase Amazon Prime & AMEX Hilton Surpass CLI's