They historically would also often pull from SageStream,which occasionally would cause problems as while there were recommendations floating around different sites like DoC to lock SageStream before making a USBank application having a locked SageStream file meant an automatic denial.  ... View more

It could be that the cumulative limits of your current cards with Chase is at or close to the limit that their automated system calculated you should be offered.    You do have a realistic chance of getting the card, as a last ditch effort you can offer to have some limit transferred from either or both of your current personal cards in order to get the approval;  Chase does not allow reallocation of limit from a business card to a personal card.    It could be that the analyst you spoke with was willing to approve but needed a senior analyst to review and countersign, I wouldn't take their comment as a bad sign.  ... View more

It's more like every 90 days, but I do get the remiders.  ... View more

@XCaliburBoss wrote: @GZG have you done it this fast before?  Or first time?   I'd advise others to be wary of changing a product this quick, in the event of clawback / account closure.  But you may know something I don't. It isn't that big a deal since this was a lateral move without any complications regarding different annual fees or changes in the type of rewards.   In these types of senarios some issuers will consider authorizing a product change if the card has been held for less than a year when its tied to an assertion that after some use the cardholder thinks the other card is a better fit. (been there, done that, request was approved) ... View more

A couple of random comments:   Confirming the above comment that US Bank did not adhere to the $10K minimum SL convention for Visa Infinite cards, lowest I know of was approval for $5K.    The Chase TCL cap of 50% yearly gross income isn't official policy, while a common practice it isn't ironclad although most examples I've seen mentioned  where it was exceeded were for lower-income cardholders.  ... View more

It's very unlikely that contacting the credit bureaus will lead to a resolution.  Contact the office of your state's Attorney General. ... View more

@Ontherise2020 wrote: Congrats on your BoA CLI increase!! Do you have other BoA Credit Cards?  I ask because I recently received their Premier rewards card, and they redistributed credit from one card to this new one, as I have multiple cards.  I am also wondering if $99K is the limit across all credit cards with BoA. The default is $99.9K maximum across all BOA cards held but they will waive that on a case-by-case basis for a high value client regardless of whether the relationship is primarily with BoA or with Merrill.    Edited because I didn't address the other part of your question - BOA is known for sometimes silently reallocating limit from an existing card in order to approve a new one.  This is a function of how much if any additional unsecured credit they are willing to extend to an existing client and isn't directly tied to the $99.9K threshold.  ... View more

@Follower wrote: @BestTennisPlayerSinceBorg wrote:   May I ask what is the SSL trick? I found this thread about Shared Secured Loans:   https://ficoforums.myfico.com/t5/Personal-Finance/SSL-Share-Secured-Loan-Technique/td-p/6371294   (Although the "trick" part may be referencing the quite different Shopping Cart Trick.) That thread is pretty accurate, although Alliant stopped offering that type of loan several years ago.    The basic premise is that you deposit money into a savings account, and the SSL uses money in that account as collateral against the loan.  As you pay down the loan the reported utilization also drops and when utilization of the loan is less than about 9% one has the potential to get a boost of your FICO scores of roughly 20-25 points, depending on ones credit profile.    This only works if the SSL is the only open installment loan. If you already have a loan of this type open like for example a mortgage or car loan a SSL isn't worth it.    There is a caveat in that different CUs have different policies regarding how a prepayment impacts the due dates of later payments.  With some CUs like NFCU and PenFed a prepayment of a loan payment does not impact the due dates of later payments but with some CUs a prepayment accelerates the due dates of the future payments (which you do not want) so before taking out such a loan you need to understand what happens with the due dates of future payments when an individual payment is paid ahead of schedule.    Affinity is a good CU, although they did nerf the rewards program to some extent maybe 2 years ago for their Signature Visa.      ... View more

I did not. The only offer I have open right now is the 10% gas/grocery/restarant on $600/$1200 per month spend through 2026.  ... View more

@NoMoreE46 wrote: Redditor is from Boston.  Boston has got a lot of  joke-kahs.  😆     But we do have a pretty good football team!   I don't pahk my cah in Hahvahd Yahd though. ... View more

Billerica, the armpit of Lowell     (no I don't live there)  ... View more

@crystal626 wrote: @xenon3030 wrote: Was he/she high on something?    Definitely sounds like one of those decisions I would make after getting too drunk lol. Around here I think it's more common to apply for cards after drinking (it has been admitted to several times that I've seen) than to close them. lol ... View more

@BrutalBodyShots wrote: @Mervin    Paying my statement balances in full monthly, absolutely.   "Keeping utilization low" - absolutely not. The act of keeping utilization low doesn't help CLI odds and in fact can actually hinder them on the profile of someone that is always paying in full monthly.   @coldfusion when you say low 6 figures, are you talking something like $125k, or would you consider $300k-$400k being low 6 figures since it's on the lower half of reaching 7 figures? Closer to $125K than $300K can do it.  ... View more

@BrutalBodyShots wrote: Yes, I requested it. Soft limit total exposure seems to be capped at $99.9k for many people. I was kindly taught a lot about this by @Aim_High some 4-5 years back. For those with significantly higher income levels, along with significant investments with BoA/Merrill there are data points of total exposure being pushed into 6-figures. I don't land in that category though, so I'm guessing my ceiling is based on income along with some aspect of element of time.   Basically, yes.  $99.9K TCL is the official and relatively hard limit but if you're seen as a high value client they will waive the cap on a case-by-case basis and there have been several members here (including me) who have broken through that cap.   The highest I've seen has been around the $170K TCL.    Income in the low 6 figures and having Platinum Honors status for a few years with a few hundred K $ in BoA deposits and/or Merrill investments can get it done.  ... View more

@EasyMark wrote: Did anybody get any offers today, online-related or otherwise?     Ever since I started getting the offers on my Sears TYP card (2H 2017) they have sent them to me via USPS and today's Informed Delivery shows I have one inbound.  ... View more

Contact the CU first requesting they have the inquiry withdrawn.    If they refuse, or if they agree and it hasn't been withdrawn within 30 days, the comments above about filing an online complaint with the NCUA are correct.  Be sure to note in the complaint that you attempted to first resolve the issue with the CU but were unsuccessful.    The request should specifically state that you want the inquiry to be withdrawn as that is the industry's official descriptor for the choregraphed series of steps (it's a multistep process) to take to have the inquiry removed entirely with no residual artifacts.    You may have unknowningly agreed to the inquiry since the intended action was to promote a secured card to unsecured.  ... View more

It's a regulatory requirement that if your request is made either online or by phone the freeze must be thawed within 1 hour.  If the request is made in writing they have 3 business days.  ... View more

@vinathi wrote: FYI.. both my spouse and I saw "You are pre-approved" green box. We are way more than 5/24. We have a joint Sapphire checking account. Both were denied saying we opened too many accounts.  Green box is not a guarantee - if it's a black box approval is almost certain unless there has been a recent relevant change in your credit profile.    There were a couple of windows of opportunity within the last 2-3 years lasting several weeks each time where Chase appeared to quietly loosen the reins a bit re: 5/24 eligibility for Sapphire cards but I mostly remember that being for the CSP, not the CSR.  ... View more

@credit8502020 wrote: @CreditCobra wrote: Best unlimited 5% gas card that I've found is the: Abound Credit Union Platinum Credit Card   Every month when the statement closes, it posts a 5% rebate to the card. So redemption is every month, and automatic. Love this card. Used it fifteen minutes ago. @CreditCobra Thank you for mentioning this one. Do you mind sharing your credit card limit? I'm curious as to what their typical credit card starting limit is.  There should be a critical mass of threads in Approvals if you want to see data points,  you can also search under their old name Fort Knox if you want a historical perspective.    Not that it should really matter for a dedicated gas card but applicants that don't live in Kentucky who get approved I believe typically get limits somewhere on the order of $500-$2K.  ... View more

Custom Cash is the easy win.    Since PenFed was mentioned upthread I'll remind everyone that the Platinum Rewards card has a minimum $5K SL and that points are valued at about 0.85 cents each; it's about a 4.25% gas card.  ... View more

@RobertS2 wrote: Good for you! I hadn't heard of them offering partially secured cards before. Interesting.  @RobertS2  it's a product offering they've had for years even before the Cash Rewards card morphed into the CCR.    It isn't a card you can apply for directly,  it's an option that BoA can choose to extend as a counteroffer if an applicant's profile isn't currently quite strong enough to meet their criteria for approval but the recent history shows enough to provide high confidence that it won't be long before their criteria is in fact met.    In general other than the $99 security deposit the card before graduation behaves like a standard CCR including the 3% cashback category.  ... View more

@Vinjints wrote: Assuming they keep the rotator, what are the eligibility requirements for BECU? Geo restricted? Not georestricted (I was approved for membership and CC as a MA resident) but in the past some members here who applied for membership felt the ID requirements for non-local applicants were too rigourous for their tastes.  Also worth noting that if someone was self-employed they were quite exacting on what they would accept for POI when applying for credit.    They could be somewhat flexible with what they would accept for documentation for ID or POI if you worked it out with them beforehand but if you unilaterally chose to send what you wanted and not what they asked for in general you would end up being SOL.    That being said, they could be pretty generous with starting limits; their max SL used to be $40K  but at one point they gave a wide swath of cardholders an auto-CLI of 25% of their current CL so some of us here got a bump of up to $50K.      ... View more

They've been primarily performing soft-pull CLIs on their core cards in response to online CLI requests since before the pandemic.    At least until recently the normal practice was to process the request using a soft pull and if successful they might come back and give you the option to be immediately considered for a larger CLI if you authorized a hard pull without any risk to the just-approved soft pull CLI if you declined.    Different story however with cards issued through Citi Retail Services, some of them like the ThankYou (ex-Sears Mastercards) use soft pulls but others like the Home Depot card (and Best Buy IIRC) hard pull in response to CLI requests. ... View more

@portlandmusician wrote: @youngandcreditwrthy Though, I understand this isn't a true application, just a CLI, but I always thought CLI denials went in there, too.    Just my thoughts. You are correct - ever since I've been a member here that section has been considered the appropriate section to discuss new card applications and CLI requests as well as any subsequent recons. It's also appropriate to update the thread with the final outcome regardless of whether it was an approval or a denial;  if an approval its also customary to also create a new thread here in Approvals with details and the original thread would be closed.      ... View more

@ptatohed wrote: Yippee!  I have not been getting mid-month offers.  Stoked!   Earn a $100 statement credit   when you make eligible online purchases totaling $1,000 or more with your Citi ThankYou® Mastercard® from 11/15/2025 (or the date you activate this offer, whichever is later) through 12/14/2025 for this offer. I got aTYP variant of the offer via USPS today;  11,500 bonus TYP for $750 online spend. ... View more

I would wait several months unless you had no qualms whatsoever about burning a hard pull and you know you would take a denial in stride.    Navy has a CLI cap of $8K so you don't know how much if any was theoretically left on the table, they may not at this point be willing to extend the additional $5K needed for a Flagship approval.  ... View more

@DaWhole9 wrote: @1lifeisworthit wrote: In today's environment, tightening, that $200,000 credit limit might have been offputting? How many cards is that limit spread over, and what is your average age of accounts?   I'm asking because I'm wondering about your thickness of file and how young, overall, your profile. I'm not meaning any kind of criticism or insult. Just gathering info for my own knowledge, is all.   I'm sorry you were denied. Yeah.  Thats spread over 13 cards.  Average Age is almost 6 years.  Im wondering if a high available credit number and a under 1% utilization number makes me undesirable because im not paying interest to anyone. Nope.   The CSR can't always discuss specifics but they gave you a hint at what the problem might be - conflicting information on a data source or between multiple data sources.    While waiting for the denial letter from Citi go ahead and get a copy of your Lexis Nexis consumer disclosure report at https://consumer.risk.lexisnexis.com/request, and if you don't have a true copy of your Equifax report either directly from Equifax or from https://www.annualcreditreport.com/index.action get one from annualcreditreport as well - don't rely on Credit Karma or other 3rd party sites -   and then confirm the accuracy of the LN report and that whatever information is provided on both reports is identical.   Having a data mismatch can trigger a denial,  having an LN report with conflicting information like 2 different SSN on it (the other from someone else with the same name or known alias) pretty much guarantees a denial.  ... View more

@idunnomypassword1231 wrote: Does this card still post the rewards you earned mid statement cycle or will we have to wait until the statement closes now? TYP bonuses post at statement close.    ... View more