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Been reading on here for years. Wealth of info and strategery on CLI's. So here are my DP's:
Capital One Buypower Card:
$2500 (plateued) Opened 5/2015 when credit was "fair"
Heavy usage, no CLI since 2017. Same BS "not available at this time upon request for this type of account"
Discover
12/2016 approved $6,500
3/2017 $1500 CLI, $8K CL
6/2017 $500 CLI, $8.5K CL
9/2017 $500 CLI, $9K CL
Nothing on anniversary month
4/2018 $4500 CLI, $13.5K CL
7/2018 $4500 CLI, $18K CL
10/2018 $1000 CLI, $19K CL
1/2019 90 and 91 day declined
AMEX BCE
Churned and burned a WF, BOA, TD, and PNC. Have 2 Chase CC but CLI are hard pulls so no req made.
14 inquiries; removals of 5 in Feb, 1 in Mar, 1 in Apr, 1 in May, and 1 in Dec. The other 5 in 2020.
Hello...nice to meet u...seems like capital one gives out no luv! Wats ur FICO, if u don’t mind sharing ☺️
Welcome to MF
@churnNburn
Welcome to the Forum!
just a note; be careful of the "Churn 'n Burn" Method, Banks have very sophisticated Data That They Track,
and I'm pretty sure they can see stuff on their HP reports than we ever will see ......just my 2 cents.
as always YMMV ...and YEMV
and its just a suggestion. please dont take offense.
No offense taken at all. On Capital one, I'm only pre-approved for the QS1 so I know I'm on their **bleep** list. Also, I'm pre-approved for a dozen AMEX cards, but they troll me when I apply
Based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer.
We have not yet performed a credit check. Would you still like to proceed?
I guess I should be glad they informed me beforehand. When I churned and burned 2 checking accts, I was "instantly approved" for their CC's too. I declined because I don't have those expenses (yet!) to trigger the bonus. I'm also trying to be good and "garden" at least until a bunch of inq's drop off.
As for scores:
770 TU, 743 EQ, 755 EX
Cracked 800 on EQ & TU on 4/2018