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USAA, BBVA, PenFed, Amex, US Bank, Target

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Established Contributor

USAA, BBVA, PenFed, Amex, US Bank, Target

Timeline:  Last 3 - 4 months

 

First: On my USAA Visa, a hard pull cli from $5,000 to $10,000.  Credit score on their site was 757.

 

Second:  On my BBVA ClearPoints, BBVA refused to give a soft pull cli even though I had it in writing where a BBVA rep told me it would be a soft pull. No biggie, I was expecting that from the stories I've read about BBVA's customer service. But the branch rep did advise me to apply for a second card but I was like no thanks, remember, I was trying to avoid the hard pull Mr. Smarty Pants.

 

Third:  Received a pre-approval from PenFed for the Power Cash Rewards.  It informed me that I was pre-approved but I needed to be a member first.  I joined with the $5 donation which they paid the $5 for me and was approved for $10,000.  Credit score from letter said 735.

Was declined for additional products, guess that was my trial limit with them for now.

 

Fourth:  Had an offer for a few cards on my Amex account so I apped for the Amex Cash Magnet, received a starting limit of $1,300.  I do have the BCE ($2,000) , ED ($1,000) and Green Card. Credit score on their site was 677.

 

Fifth:  Had 2 offers on US Bank, the Cash+ and the Cash 365.  Apped for the Cash+, called after a few days, was told I was approved for a $500 limit asked if they could up that limit for me.  They asked me how much did I want, I said lets ask for $10,000 and if not, hopefully they give me a counter.  Received the card and it had the $10,000 limit.

 

Sixth:  Target statement was on the 9th, received an increase from $1,400 to $6,000.  Last week, received the letter letting me know as of Oct 12th, it will become a MasterCard. 

 

I think that's everything, so back to the garden I go or is it back to work I go, I owe I owe I owe!

~buried myself in the garden~
Message 1 of 11
10 REPLIES 10
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Senior Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Congrats on your CLI 's and approval / massive approval !!!!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 11
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Valued Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Congrats on the approvals and CLIs! Massive haul! Time to enjoy the garden and soon to be winter!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 3 of 11
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Community Leader
Mega Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Good time to have a Target card, they have been giving huge increases recentlySmiley Wink. USBANK has issues lol. Approve for $500 yet then approve for 10k LOLWUTSmiley Happy Pretty good run. EnjoySmiley Happy
Message 4 of 11
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Valued Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Congrats on the CLIs! 

 

Target is very random when it comes to upgrading its store cardholders. Smiley Happy

Message 5 of 11
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Established Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Now that's an impressive app spree, congratulations!

Current Scores & Increase since May 2020:

EX: 701 (+38)| TU: 692 (+32)| EQ: 681 (+36)| TU Fico 9: 704

Next Goal: Min. 700 w/all CRAs

Subsequent Goal: Chase FU

Gardening Until: 06/01/2021| App: 5/26/2020
Message 6 of 11
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Frequent Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Wow! Congrats on all the cli's. I am still stuck at $200 with my Target card. Hopefully I get an increase in the near future.

Message 7 of 11
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Moderator Emeritus

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

schsa210 absolutely amazing! You did very well. Going after USAA and US Bank for large credit lines that are usable blows their conservative approaches out the window. You are on a "HOT" streak Smiley LOL

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 8 of 11
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Valued Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Congrats, busy day with big payoffs.  The recon limit from $500 to $10k is excellent!


Message 9 of 11
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Established Contributor

Re: USAA, BBVA, PenFed, Amex, US Bank, Target

Totally far out!

 

Super congrats! 

Let the good times roll, roll.



[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 33k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 24.5k][WalmartMC 11k][SearsMC 15k][Lowes 35k][Toyota 21k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $45k][PNC $26.5k]
BT'oholic and OPM Lover! Chunk'n it hard and often!
Message 10 of 11
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