@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Contact the CU first requesting they have the inquiry withdrawn.    If they refuse, or if they agree and it hasn't been withdrawn within 30 days, the comments above about filing an online complaint with the NCUA are correct.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    The request should specifically state that you want the inquiry to be withdrawn as that is the industry's official descriptor for the choregraphed series of steps (it's a multistep process) to take to have the inquiry removed entirely with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

@SweetSpero wrote:   What are your thoughts on closing accounts you don't use? Depends - I treat a few of my cards as pets but most are cattle;  if there's an annual fee and/or zero expectation of it becoming useful/of use again in the forseeable future it's a prime candidate for closure, or if the option is available to product change it to a card I would find useful.   If it's a no-AF card the issuer will eventually close it for non-use so by default I won't bother with closing it.  ... View more

@SweetSpero wrote: @GZG wrote: @SweetSpero wrote: I have a Chase Freedom and Chase Marriott Bold, and will be applying for the Chase Sapphire Preferred this week. Chase Freedom has $11,700 and Chase Marriott Bold has $19,700. I want to lower the amount of cards that I have and I don't use the Chase Marriott Bold...I don't even remember why I applied for it. It does have a high credit limit and 4 years of account history, so I'm not sure if I want to keep it or have the available credit split between the two other Chase cards. The Marriott Silver Elite status is a nice perk for the rare occasion I do use the card or hotel.   What is a good credit limit to keep on each card? What was your thought process when you reduced your amount of open credit cards? What's the best way to make the most of the extra cards you don't use and don't plan to use in the future? bold will probably require $5k to stay open if you're not closing it, freedom unlimited (visa sig) and the upcoming CSP will all have $5k minimums   for the freedom unlimited and CSP limits, it will depend on your spend and what cards need how much limit for each    when you apply for your CSP, there is a chance they will automagically take limit from your bold or freedom unlimited to create the CSP and not grant more credit    if I was you, I would first research if the ritz carlton card would be something that is exciting for you, if you product change to the boundless first, they should allow you to then PC to the Ritz card ($10k minimum) afterwards. That's a pretty big ask for a newbie, and it's probably not a fit for you, but you have the opportunity, and it won't be around forever, so it would be a shame not to mention it.     If that's not something you care about, I'd apply for CSP, see where limits end up after that and then just do Bold $5k and split the rest evenly or according to spend between the other two cards Thank you for sharing. I didn't think much about the minimum required if I were to keep the Marriott Bold open, so that's a good alternative.   Specific / luxury hotels aren't a priority for me. I travel internationally 1-2 times a year to explore and experience the culture. Ideally, Delta / Finnair, direct flight booking, direct hotel booking, priority boarding, Global Entry, and car rental protections would be the priorities for me.   The hotels I use are whichever ones are in the center of the areas I want to visit so they're within walking distance. Usually about 3-4 nights each in 3 different cities per trip. The AMEX Gold and Chase Sapphire Preferred would be my two annual fee cards, so not sure if I want to spend on a third one. I don't travel enough to justify having the AMEX Platinum card for the direct hotel booking and Global Entry.   I already have the Chase Freedom, so I figured I can get the Chase Sapphire Preferred as a backup to redeem points. I haven't used hotel / flight services from any credit card portal yet because I get nervous something bad will happen using anything but direct booking and having to go through the headaches. That's why direct booking is important to me. While Chase has minimum requirements to open new accounts (as mentioned above it's $5K for the CSP) in many cases they do allow reallocations of limits out of an existing card that would drop the CL to below those thresholds i.e. for example you'd be allowed to reduce the limit on an existing CSP to be below $5K, if that's what you want.      I'd suggest however that you consider holding off on limit reallocation or outright limit reduction before applying for the additional card;  if you need to recon a denial they will sometimes on their own initiative offer to reallocate limit from an existing card or you can offer to have them do it in order to end up with a successful reconsideration.      ... View more

@GZG wrote: @ptatohed wrote: @coldfusion wrote: @ptatohed wrote: So, what was the conclusion/solution to cashing out at 1cpp?  I only have 84 points right now but for Ss & Gs, I went to do a statement credit and my 84 points are only worth 42c.  Went to get a check and it said 1000 points are needed for a $5 check.  0.5cpp is not cool!!! I redeem at $0.01 if I do an ACH transfer to an external checking account but I have a single shared pool for all my TYP earners.     No minimum either.  Ok, but how do I get this "single shared pool"?  Is it a phone call like it was to merge my Rewards+ (which cashed out at 0.5cpp) with my DC and CC (which then allowed 1cpp) (actually 1.1cpp, lol)?   Thanks.   you can try the citi thank you website, I just did the website, it had a button, I clicked it and it was done: https://www.thankyou.com/cms/thankyou/    you might have to call though I had merged mine back when you had to call a team based in Ohio and a rep did the linking while you were still on the phone (took like 2 minutes) but roughly around 6-7 years ago regular customer service reps got the ability to do it. if for some reason you had to call it shouldn't be a hassle.  ... View more

@ptatohed wrote: So, what was the conclusion/solution to cashing out at 1cpp?  I only have 84 points right now but for Ss & Gs, I went to do a statement credit and my 84 points are only worth 42c.  Went to get a check and it said 1000 points are needed for a $5 check.  0.5cpp is not cool!!! I redeem at $0.01 if I do an ACH transfer to an external checking account but I have a single shared pool for all my TYP earners.     No minimum either.              ... View more

@UpperWeb wrote:   >I have read PNC perhaps has a “Max Exposure” of 40G-50G across the board.” YMMV”   YMMV is correct, but it's at least $80K.     Congrats on the double same-day approval,  that's definitely an outlier with PNC.  ... View more

Congrats on all the approvals, just keep an eye on the OnePay card when all these cards start reporting in case that triggers Synchrony. ... View more

To answer a few of your questions @OldBenKenobi :   It appears that the SYW portfolio is being rolled into the Thank You Mastercard,  which is the card that legacy Sears Mastercard cardholders were migrated to nearly 6 months ago.   The legacy Sears card were and have been continuing to get get essentially the same cashback offers as SYW cards, except that the vast majority of the bonus earning are in TYP (which are redeemable as cash via ACH transfer into an account of your choice).  What the Thank You card does not have are some of the SYW-earning campaigns.      It also looks like the 5321 card is going to be underwritten by a small bank headquartered in South Dakota, so since Citi is retaining the current SYW portfolio of cardholders if you wanted that card you would have to apply for it when opened for applications.  ... View more

@unsungivy wrote: @Outbackexplorer wrote: I'd say its pretty likely our earning rates are staying the same given the comparison table on: https://www.shopyourway.com/teaser Since it's a new table it would be weird for it to list its old previous self as competition, and it didn't used to be called the Citi ThankYou Mastercard when it was the SYW so it would be even weirder Has anyone been able to log in? The login page told me I have to go here now: https://citiretailservices.citibankonline.com/RSauth/signon?pageName=signon&siteId=PLCN_CTY&langId=en_US and that I might have to make a new account. And I am indeed unable to login with previous info. But I want to make sure its the same case for others before I try and make a new account.  I have a payment coming up so I don't want to mess it up one way or the other. I was able to log in, yes, a couple of times. The ability to do so seems to go up and down. No reward structure info in the account.   I can't get on via the Citi Mobile app yet though; even attempting to register is throwing up errors.   The chart gives me hope, because I agree with your analysis, but the other two comparison choices are very strange. Discover with rotating categories, and the Gemini Credit Card? I mean... huh? Neither are reasonable comparisons for points structures! This relates to my comment # 1349 above in this thread.      The Citi mobile app does not work with the Thank You Mastercard, as that card is issued through Citi Retail Services.  Those cards use a different back end than the Citi core cards and the online experience has a lot more in common with the Best Buy and Home Depot cards than with for example the Double Cash or Strata cards.  There is no mobile app.    The old https://www.searscard.com URL is still a valid redirect and the current phrase associated with the Thank You Mastercard is "Previously Shop Your Way Mastercard or Sears Mastercard". If you click on that icon it brings up the direct login page.   The URL printed on the back of the Thank You Mastercard at https://citithankyoucard.com bails with a SSL error.    They've also managed to break my login;  I tried calling customer support.  The robolady gave me the option of using my card# or SSN to access the account, when I typed in my account # she thanked me for calling customer service and terminated the call.  I called back in and selected the 'only use touch tone' option and requested technical support; I was then directed to a message that they are having technical issues that should be resolved in 1-2 hours and then again the call was dropped.    Bit of a doodoopoopoo show, makes me glad I'm not a Citi employee right now lol      ... View more

@Vinjints wrote:  What's the reputation on the issuing bank? They're a very small bank.     By comparison with other financial institutions often mentioned here the scale and size of their assets under management is roughly comparable to Langley FCU or Nusenda CU.    https://www.bankeasy.com/   They do have a couple of credit cards of their own,  a 1% cashback card and a 1.25% cashback card that has a bonus cashback if you spend more than $20K on the card in a year and has a minimum eligibility-of-approval requirement of either $150K/yr gross earnings or $1 million+ in assets.  ... View more

@TyrannicalDuncery3 wrote: can you show us what offers you're seeing with that? Are you seeing this on CK or Experian?   Yep! Here's the offer of interest from CK: https://imgur.com/a/9U4CAoO   I do think this counts as "subprime" but I am interested in this card at some point. Probably will pass for  now. (I decided I wanted this card and then looked for it on CK, not the other way around.) Synchrony's sweet spot is with near-prime applicants i.e. late stage rebuilders with derogs reporting but clean status since the negative events and they aren't fee harvesters;   I wouldn't consider the Paypal card as being subprime.  ... View more

This is a topic that has been discussed here before so with some careful searching one can get you a more definitive answer, but from hazy memory you're allowed up to 5 cards but the caveat that there is a cap of 2 core cards.  ... View more