cancel
Showing results for 
Search instead for 
Did you mean: 

CLI HP/SP Matrix

Highlighted
Frequent Contributor

CLI HP/SP Matrix

I did some searching and couldn't find a definitive CLI matrix. I found the one for HP when applying, but some cards do HP while others do SP. Does anyone have a matrix they could post? If not could we build this thread to list which do/don't what as a guide for all members. I will start with ones that I am familiar with and will add to the list as members give answers to get a guide going for this topic.

 

Captial One - SP

BoA              - SP

Barclay       -  HP




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 1 of 8
7 REPLIES 7
Highlighted
Super Contributor

Re: CLI HP/SP Matrix

The problem with threads like this is that these policies change all of the time. It's safer to list lenders known to HP since nobody will actually get mad if they get a SP instead of a HP but if they expect a SP and get a HP, the sky is falling. 




Message 2 of 8
Highlighted
Frequent Contributor

Re: CLI HP/SP Matrix


@Saeren wrote:

The problem with threads like this is that these policies change all of the time. It's safer to list lenders known to HP since nobody will actually get mad if they get a SP instead of a HP but if they expect a SP and get a HP, the sky is falling. 


I'm fine with that. I just think listing the HP's only will extend the thread in the long run with the repeated "well what about xyz? Are they a HP?" I figured putting the YEMV would help. It can be a dynamic thread like the one for CC that gets updated every so often.




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 3 of 8
Highlighted
Community Leader
Mega Contributor

Re: CLI HP/SP Matrix

Red or blue pill?Smiley Wink

Message 4 of 8
Highlighted
Established Contributor

Re: CLI HP/SP Matrix


@AverageJoesCredit wrote:

Red or blue pill?Smiley Wink


Both. 

Chase Sapphire Reserve 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Red 4k
Citi Double Cash 13.5k
Amazon Store Card 10k

Fico 8s as of 11/1/2020:






Message 5 of 8
Highlighted
Regular Contributor

Re: CLI HP/SP Matrix


@AverageJoesCredit wrote:

Red or blue pill?Smiley Wink


Blue, if you suffer from ________ for more then 4 hrs.........🤣🤣🤣🤣🤣

Message 6 of 8
Highlighted
Moderator

Re: CLI HP/SP Matrix


@Batwood1 wrote:

@AverageJoesCredit wrote:

Red or blue pill?Smiley Wink


Blue, if you suffer from ________ for more then 4 hrs.........🤣🤣🤣🤣🤣


😐

Message 7 of 8
Highlighted
Community Leader
Super Contributor

Re: CLI HP/SP Matrix


@Remedios wrote:

@Batwood1 wrote:

@AverageJoesCredit wrote:

Red or blue pill?Smiley Wink


Blue, if you suffer from ________ for more then 4 hrs.........🤣🤣🤣🤣🤣


😐


One pill makes you larger, and one pill makes you small

 

 

 

(and the ones that Mother gives you don't do anything at all)



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.