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Hi everybody! Long time reader, first time poster with DP's

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Anonymous
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Hi everybody! Long time reader, first time poster with DP's

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

5/2018 approved $15K
7/2018 req $5K 61 day cli $20K
1/2019 req $10K 180 day cli $30K
Looks like I left some on the table on both req's.
Not much usuage either, $1k to trigger bonus and $200 in groceries per 2018 YES
 
BP
8/2017 approved $3,000
11/2017 CLI req to $10K
2/2018 CLI req to $15K
7/2018 CLI req to $20K
Any further CLI req triggers "requested credit line exceeds the amount of increase our policy allows"
 
Marvel
3/2017 approved $6,000
6/2017 CLI req to $8K
7/2017 CLI req to $10K
2/2018 CLI req to $15K
8/2018 CLI req to $19K
Any further CLI req triggers "requested credit line exceeds the amount of increase our policy allows"
 

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.

Message 1 of 6
5 REPLIES 5
AverageJoesCredit
Legendary Contributor

Re: Hi everybody! Long time reader, first time poster with DP's

Hello Smiley Happy Welcome to myFicoSmiley Happy. You've got some nice limits. Nice user name, just hope it doesnt turn to Crash and Burn with how the banks are coming down hard on churners and to some extent the rest of usSmiley Wink. Dont be afraid to engage us in posts, we dont bite...muchSmiley Wink
Message 2 of 6
Anonymous
Not applicable

Re: Hi everybody! Long time reader, first time poster with DP's

Hello...nice to meet u...seems like capital one gives out no luv! Wats ur FICO, if u don’t mind sharing ☺️

Message 3 of 6
chhull00
Frequent Contributor

Re: Hi everybody! Long time reader, first time poster with DP's

Welcome to MFb6feaebe255cbeef6e3f9bf98b0991ef.gif

 



Message 4 of 6
Anonymous
Not applicable

Re: Hi everybody! Long time reader, first time poster with DP's

@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.

Message 5 of 6
Anonymous
Not applicable

Re: Hi everybody! Long time reader, first time poster with DP's

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

Message 6 of 6
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