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With the holidays approaching and the Uber Visa changes coming, I decided to stop gardening and make a replacement. I started with a Citi DoubleCash CLI. I have had the soft pull language for about 3 months but held off as my score bumped back up. Was approved for a soft pull CLI from $6,800 to $8,300!
After feeling good from the CLI and considering holiday spend would help with hitting the minimum spend, I decided it sounded like a good time to app for the Wells Fargo Propel and kick the Uber Visa to the sock drawer. I app'd and got the message for "Pending: We need to verify a few pieces of information before we can give you a credit decision." The phone number they included in the email did not work. After the weekend I found the actual number to call for the app status. I was approved with a starting limit of $5,000! Took about a week and a half to get the card and planning on putting some good holiday spend on it.
2019 has been a good year for cash back optimization with some nice sign up bonuses thrown in. 2020 will be a year of gardening (I hope).
Some stats:
App'd 11/15
Approved 11/18
Pulled Experian and TransUnion
Experian FICO 8: 769
TransUnion FICO 8: 763
Inqs in past 6 months: 4
5/24 status: 3/24
AAoA: 3 years
AoOA: 8 years
AoYA: 5 months
Utilization: 2%
No relationship prior to app
Congrats!!!
Congrats on the propel approval and cli..
Congratulations on your CLI!