What are some good tips/tricks for different cc companies?

[cr101]

For example, the AMEX 3X CLI, the Capital One PC link. Any other tips?

[pizza1]

You'll have to be more specific. Every company has a trick/tip. Is there one in particular you are wanting tips on?

I would also suggest using the search feature and to do some reading up. There's so much information here, and if you'll look at the stickies in each category, you might find what you're looking for.

[wasCB14]

It's hard to call a PC link with just a few options a "trick" when other banks like Citi can generally be way more flexible about PCs.

And there are a few interesting tricks that MF forbids detailed discussion about, so it can be good to keep your eyes open and read between the lines.

[CreditInspired]

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@cr101 wrote:

For example, the AMEX 3X CLI, the Capital One PC link. Any other tips?

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These are not guarantees of approval, but at least a SP when applying for CLIs:

Citi cards -- wait for the SP language. 

NFCU -- wait until after AR for best SP chances, although last month the floodgates opened for anyone asking for a SP CLI--me included. Also a good idea to wait 91 days/3 statement cuts. 

Disco -- always a SP. Some members smash the love button every 30 days. 🤣😆

AmX -- once you have one of their cards, it's usually a SP to get another one. 

The below are not tips/tricks, but a game plan for credit success:

Low UT

On-time payments

Never, ever late

Make more than min paymt

No aggressive credit seeking

Allow cards to age to 1 year

That's all I got right now. 

[EdMan63]

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@CreditInspired wrote:

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@cr101 wrote:

For example, the AMEX 3X CLI, the Capital One PC link. Any other tips?

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The below are not tips/trips, but a game plan for credit success:

Low UT

On-time payments

Never, ever late

Make more than min paymt

No aggressive credit seeking

Allow cards to age to 1 year

That's all I got right now. 

Best advice of all.

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[Stralem]

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@cr101 wrote:

For example, the AMEX 3X CLI, the Capital One PC link. Any other tips?

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In addition to the below responses:

Citi: Call in regularly to ask for APR reductions or APR promos. May not be worth it if you don't carry balances.

Discover: Ask for a 0% promo every 12 months. They hand them out like candy in my experience. Again, may not be worth it if you're the PIF type, but why pass up a free loan?

Amex: Double-dip on credits. Apply in Oct-Dec, use up the credits, then use them some more when they renew in January. Depending on the card, this will recoup the annual fee plus some.

[iced]

Since nobody's mentioned them yet:

Chase - Don't be a churner. Don't ever expect a CLI unless you ask for it, and it will be a HP when you do.

Hopefully someone reads that last sentence before starting yet another thread about how to get a SP CLI from Chase. Being that it's been, what, a month or so since the last one, we're probably due though.

[Anonymous]

CreditInspired How do you know when the AR is done at Navy?

Stralem What do you mean credits for Amex??

[Citylights18]

With Chase I'd say to get them to grow spend heavily and PIF. 

Also while the rule is 2/30 for Chase I wouldn't put in another app with them until the week following your first PIF payment. This way Credit Journey picks it up and it puts your utilization in the best possible situation.

[Anonymous]

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@CreditInspired wrote:

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@cr101 wrote:

For example, the AMEX 3X CLI, the Capital One PC link. Any other tips?

---

These are not guarantees of approval, but at least a SP when applying for CLIs:

Citi cards -- wait for the SP language. 

NFCU -- wait until after AR for best SP chances, although last month the floodgates opened for anyone asking for a SP CLI--me included. Also a good idea to wait 91 days/3 statement cuts. 

Disco -- always a SP. Some members smash the love button every 30 days. 🤣😆

AmX -- once you have one of their cards, it's usually a SP to get another one. 

The below are not tips/tricks, but a game plan for credit success:

Low UT

On-time payments

Never, ever late

Make more than min paymt

No aggressive credit seeking

Allow cards to age to 1 year

That's all I got right now. 

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The first two together make your credit score almost bullet-proof. (On-time payments includes never, ever late.)