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Keybank CLI HP or SP?

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Xanthos472
Regular Contributor

Keybank CLI HP or SP?

According to @12njoy's experience, it's SP. Just got off the phone with a rep who stated that it's a HP. Has their process changed recently or is this a case of HUCA? EDIT: Mods please move if wrong thread, thanks

Cap 1 QS #1 2.5K Cap 1 QS#2 16K | Citi DC 6410 Citi SYW 3K | Synch 2% 10K | Disco IT 11.3K | Disco Miles 10.6K | CFF 2.4K | Amex BCE 6K EDP 6.2K Schwab 3K | Citizen's 1.8% 12.2K | Wells Cashwise #1 17.45K #2 1K | USBank Cash+ 21K | Fidelity 20K | Truist Spectrum #1 7.5K Spectrum #2 4.5K Bright 5K | PNC Cash #1 3K Cash #2 600 Points #1 600 Points#2 600 | BECU Cash 23.4K Low Rate 10.5K | BoA Premium Rewards 44.9K Travel Rewards 30K | FNBO Evergreen 20K | SAFE CU Cashback + 10K | Huntington Voice 7150 | Keybank Latitude 8K |
BECU CLOC 15K
~BIZ Credit~ Amex BBP 9.6K BBC 10.2K Biz Plat NPSL x2 Biz Gold NPSL x2 | USBank Biz Cash 10K | Citizen's ED Points Biz 7K | FNBO Biz Evergreen 13.7K | BoA Biz Unlimited #1 7.5K |BoA Biz Unlimited #2 50K | BoA Biz CCR #1 7K | BoA Biz CCR #2 22K | CIC 9K | INK Premier 80K/16K Flex | CIU#1 11K CIU #2 5K |
~formerly known as Xatos~
Message 1 of 4
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12njoy
Super Contributor

Re: Keybank CLI HP or SP?


@Xanthos472 wrote:

According to @12njoy's experience, it's SP. Just got off the phone with a rep who stated that it's a HP. Has their process changed recently or is this a case of HUCA? EDIT: Mods please move if wrong thread, thanks


In every case but maybe twice (when I left my EQ open) it's been a SP.  The reps tell me every 6 months it's a HP and I agree to it.  EQ stays on ice and I get the CLI.  Now I will say that has generally only amounted to 2,500 every six months for the last few years with a sprinkle of a 4k increase here and there.  I'm coming up on another 6 month anniversary the end of this month and will be going again.  There max on cards appears to be 30k by the way.

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 2 of 4
Xanthos472
Regular Contributor

Re: Keybank CLI HP or SP?

@12njoy Thanks! Sounds like it would be SP even if EQ isn't frozen.

Cap 1 QS #1 2.5K Cap 1 QS#2 16K | Citi DC 6410 Citi SYW 3K | Synch 2% 10K | Disco IT 11.3K | Disco Miles 10.6K | CFF 2.4K | Amex BCE 6K EDP 6.2K Schwab 3K | Citizen's 1.8% 12.2K | Wells Cashwise #1 17.45K #2 1K | USBank Cash+ 21K | Fidelity 20K | Truist Spectrum #1 7.5K Spectrum #2 4.5K Bright 5K | PNC Cash #1 3K Cash #2 600 Points #1 600 Points#2 600 | BECU Cash 23.4K Low Rate 10.5K | BoA Premium Rewards 44.9K Travel Rewards 30K | FNBO Evergreen 20K | SAFE CU Cashback + 10K | Huntington Voice 7150 | Keybank Latitude 8K |
BECU CLOC 15K
~BIZ Credit~ Amex BBP 9.6K BBC 10.2K Biz Plat NPSL x2 Biz Gold NPSL x2 | USBank Biz Cash 10K | Citizen's ED Points Biz 7K | FNBO Biz Evergreen 13.7K | BoA Biz Unlimited #1 7.5K |BoA Biz Unlimited #2 50K | BoA Biz CCR #1 7K | BoA Biz CCR #2 22K | CIC 9K | INK Premier 80K/16K Flex | CIU#1 11K CIU #2 5K |
~formerly known as Xatos~
Message 3 of 4
12njoy
Super Contributor

Re: Keybank CLI HP or SP?


@Xanthos472 wrote:

@12njoy Thanks! Sounds like it would be SP even if EQ isn't frozen.


I can't say that, as the couple of times I forget to put EQ on ice, I actually got a HP.

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 4 of 4
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