Random questions that don't deserve a separate thread

[cowboyguy]

Post your random questions here, which you think don't deserve their own thread. I'll start off with the following:

1)      Is there a general consensus on this forum regarding the minimum credit score for getting U.S Bank Cash+ Visa Signature Card?

2)      For how long do you need to have a Chase card before requesting for a CLI?

3)      For how long do you need to have a U.S Bank card before requesting for a CLI?

4)      For how long do you need to have a Citi card before requesting for a CLI?

5)      Do the following lenders do a SP or HP whenever requesting for CLI?

a)      Amex

b)      Chase

c)       U.S. Bank

d)      Citi

e)       Capital One

[improvingmycredit]

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@cowboyguy wrote:

Post your random questions here, which you think don't deserve their own thread. I'll start off with the following:

1)      Is there a general consensus on this forum regarding the minimum credit score for getting U.S Bank Cash+ Visa Signature Card?  From what I can tell, it is recommended that you have a good AAoA, min 720 score though some have been approved with less, low utility and minimal inqs.  No baddies

2)      For how long do you need to have a Chase card before requesting for a CLI? The typical wait time is 6 months and all CLIs should expect a HP though they had done them with a SP.  Rule of thumb... any CLI or new credit app should result in HP excluding Amex.

3)      For how long do you need to have a U.S Bank card before requesting for a CLI? Sorry... don't know the answer to this one

4)      For how long do you need to have a Citi card before requesting for a CLI? 6 months and expect a HP but I and many have received them with a SP.  Depends on the timing on your most recent SP to your CBs by them.  You can request a CLI every 6 months.

5)      Do the following lenders do a SP or HP whenever requesting for CLI? 

a)      Amex  SP for all CLIs - 

b)      Chase Expect a HP

c)       U.S. Bank Don't know.. sorry

d)      Citi  Expect a HP but be happy for the SP... I haven't had a HP yet for an increase

e)       Capital One If you have one of the rebuilders... HAHAHAHAHAHA - good joke.  What's a CLI?

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Hey cowboyguy!

My thought is that there is no question that doesn't deserve a separate thread.  All your questions have been asked before and they are good questions.  That's how we all learn.  JMHO

[cowboyguy]

Thanks improvingmycredit.

Yes that was exactly my point. These questions didn't deserve a separate thread of their own & I thought it would be better to summarize these in a single thread

[rtw]

How many inquiries on EX is too many for AmEx?

[improvingmycredit]

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@rtw wrote:

How many inquiries on EX is too many for AmEx?

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YMMV... Amex uses a internal scoring system.  I would say... if you are concerned that you have too many inqs... wait a full 6 months before apping the card you want.  FICO takes into acount a full years worth of inqs and who knows how the internal system of Amex weights them.  But a good rule of thumb is:  6 months between apps.  

[navigatethis12]

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2)      For how long do you need to have a Chase card before requesting for a CLI?

    I requested one as soon as I received the card and another about two months later; both were approved.

3)      For how long do you need to have a U.S Bank card before requesting for a CLI?

    They told me six months and not one second sooner

4)      For how long do you need to have a Citi card before requesting for a CLI?

   Six months, no other option

5)      Do the following lenders do a SP or HP whenever requesting for CLI?

a)      Amex - soft

b)      Chase - hard

c)       U.S. Bank - soft for a small amount, hard for a larger amount

d)      Citi - do the form online and it will tell you if it will need to pull a report or not. it will approve you for a certain amount from a soft and if you want more, a hard pull will be done.

e)       Capital One - soft

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[djrez4]

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@rtw wrote:

How many inquiries on EX is too many for AmEx?

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Not 9.

[flowfaster]

What is a "small" amount for the cash+ cli?

[dude11]

Thanks for trying but you will see these questions asked again within a matter or hrs regardless. LOL.

Such as, where do I find the Capital Exec office number? Who do I have to rub the right way to get in with Amex? And you get the point. LOL

[Revelate]

Been away for a bit (busy jobs good for savings rate, no bueno for everything else in life...) but we've been talking about trying to alleviate that on the forums somewhat as I think we all agree we do get a lot of the same questions over and over again.  I have to see where that old conversation went but I heartily agree it would be a good thing.