This has been a sporadic issue with them for the last couple of years. ... View more

@FicoMike0 wrote: I think they sometimes do a credit pull it you ask for overdraft protection, since it's credit. You're correct, although IME overdraft protection is an opt-in option presented as part of the application process where you have to select it if you want it. ... View more

There are a couple of potential fallback positions that you can consider as contingencies if for some lousy reason you get a denial for the new card.  One would be to recon and if the analyst is lining up to deny you again you can ask about reallocating some limit from the CFU to get a straight-up approval as that sometimes does work, the other would be to reallocate just enough CFU limit to get the Explorer to $15K and then upgrade it.   The back end is that much like the $5K/$10K thresholds for a CSP/CSR the $15K minimum threshold is just to get an approval.  Chase does allow reallocation from these cards such that their existing CL drops below their minimum threshold  i.e. you can reallocate CFU limit to get an approval and then later put some or all of it back.   Certainly not something I'd suggest as a preferred method but something to keep in mind as a potential Plan B if things come to that. ... View more

Abound FCU formerly Fort Knox FCU does get mentioned here occasionally; if you run searches on the site you'll find some data points.  You might want to start your research by searching for "Abound" to get recent info,  "Fort Knox" to get older data points.    Running a search in the Approvals section of the forum should provide some useful info.   As I understand it they nowadays they prefer in-state applicants over non-residents,  not sure if they hold out-of-staters to a higher standard for approval but I believe the limits they now usually get are low enough that in your case if approved you might find yourself having to at least occasionally cycle the card. ... View more

I don't know the current limit of your Explorer so I'll mention that one needs  a CL of at least $15K on an Explorer to be eligible to upgrade it to a Club card.    Rather than an upgrade though you might as well just apply for a new Club card and earn the SUB, then after you have the new card in hand at some point reallocate all but $500 of the Explorer's current CL as you see fit (gotta leave $500 behind) to the Club or other Chase card and then close the Explorer.  Doesn't matter if you go for the personal or Business Club as Chase allows reallocation of limit from personal to business cards,  just not the reverse.     ... View more

@sjt wrote: @jcar wrote: @sjt wrote: I got my semi-annual $2K CLI on my AAdvantage WEMC. My new CL is $27.4K, starting in 2018 at $6.6K. I don't use the card much, so the CLI is usually $1.5K-$2K every six months.  Congrats on the CLI. Is it an auto increase every 6 months or do you have to reach out to Citi to request it?  I requested it online, and it was an instant response. They SP. Congrats - did they follow up with an option to consider you for a bigger increase if you authorized a HP without any risk of the just approved CLI being rescinded by a refusal to authorize? ... View more

@WeaponizedApe wrote:  And once you have AMEX they dont do hard pulls for follow on cards.  That's been debunked, even with the updated approval process they now follow.    The odds are very low that it will happen, but it does sometimes happen if you an accept an approval offer and you don't get any prior warning that they are going to do it. ... View more

BoA switched to using soft pulls instead of hard pulls from Transunion (if you had a hard pull for something else within the last 30 days even if it was from Experian they would reuse that) in response to CLI requests just under 7 years ago but the boilerplate language about obtaining a copy of your credit report remained unchanged.   There were a couple of people within a couple of weeks after the change that claimed their CLI requests triggered a hard pull but since then I've never seen anyone comment about an inquiry from a CLI request since then. ... View more

@UncleB wrote: Alright, my Prime membership fee completely posted to my Flagship card last night... now for the wait to see if I'm one of the lucky ones!   <fingers crossed> Be sure to follow up...inquiring minds want to know.... ... View more

Applying for 2 Chase cards same-day used to be a thing - look up what was at the time nicknamed the Chase Double Dip - until Chase put the kibosh on it by adding the only-1-card-per-day rule; that led to the Modified Double Dip aka "MDD" paradigm.  Chase later killed off the permutations of that paradigm that involved both the CSR and CSP  (was popular as you could get at least 120,000 UR with $8K spend) by adding their 1 Sapphire Card rule but other combinations made up for example of 1 Sapphire product and 1 Freedom product still worked.   Those 2 reddit threads you linked would date back to from when the Double Dip was still possible,  odds of being able to do that successfully today are abysmally low.   I still think that you're being aggressive but nowhere near to the point of being delusional ;-)    Good luck and I'll cross my fingers for a positive outcome! ... View more

The thing with Chase preapprovals is that they don't check for every possible factor that could lead to an automatic denial but if you don't have a bankruptcy reporting on your credit reports and you've never had a chargeoff with a Chase account (or with a bank that Chase later acquired) odds of an actual approval are high.   30 days means that your application has been accepted but hasn't yet been evaluated. 14 day/2 weeks means that the initial evaluation recommended a positive result.  While not an absolute, when an application reaches this state  it most often ends up with the final result being an approval. The phone call was just verification that it was really you that had applied for the card.   Not an absolute either but getting a verification call after a transition to the 14 dy status also leans to there being a positive outcome.    Feel free to continue calling the robolady daily but this sounds like you've been put on the approval track.   ... View more

@Thorin809 wrote: I have about $8k in regular purchases and $1500/mo in regular CC spend. I haven't aimed for SUBs aside from cards I would use regularly.  Will the spree I'm about to do get me shutdown/AA or start getting denied?   I'm at 2/24 (Feb and April 2024) and credit score is around 800. I fly mostly Delta (plus some SW for certain routes) and prefer Hilton, so I prioritized those. I have a corporate card so I get discounts on some of the Amex AFs (Green, Gold, Platinum and BCP) This is my plan: Month 1: CSP and Chase Southwest Plus (to combine HP) Month 3: Amex Delta Gold and Amex HHonors (to combine HP) Month 5: Cap1 Venture Rewards Month 7: Amex Delta Platinum (upgrade from Gold if avail) Month 10: Amex Hilton Surpass (upgrade from HHonors if avail) Month 12: Amex Green From there, I get into the higher level spending reqs for Amex, so I don't think the velocity will be as much of an issue (3-5 months between cards until I'm back under 5/24.   Assuming no pop-up jail, does this plan make sense?  Or is it likely one/both of them shut me down? A card issuer by law cannot upgrade a card to a different one with a higher AF for at least 12 months after approval; that requirement was put in place years ago to deter bait-and-switch tactics being practiced by less scrupulous lenders.  Plan accordingly regarding your AMEX choices and timeline keeping in mind that you may get offers to upgrade, sometimes with bonuses, after a card's 12 month window has passed.  Also regarding AMEX, while the odds are very high that an existing AMEX cardholder will avoid an Experian hard pull if accepting an approval for an additional card  - they currently make the credit decision based on a soft pull, they don't hard pull if you reject the approval - it's been shown emperically that avoiding another HP is not guaranteed.   Cap1 would be a roll of the dice as they can be intolerant of recent credit seeking and they hard pull all 3 major CRAs so it's tough for something to slip through any cracks.   Chase does not reuse hard pulls and they do not support 2 Chase approvals on the same day; if you somehow managed to get approved for the 2nd card they will close it without warning at some point within the next 2 months.  Applying for the 2nd card even the next calendar day is allowed, but your profile is kind of thin to support best odds of a 2nd Chase approval so close to a 1st one.   Minus the points I made above about the card upgrades,  what you're looking to do is possible but is pretty aggressive especially given you don't appear to have a really thick and wide credit profile. ... View more

This thread is a good place to start your research,  it's based on crowdsourced data that also breaks things down by state.  For some issuers the state you live in dictates which CRA it is they prefer to pull from to process your application.   https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/6379773 ... View more

@Komma wrote:     I don't think you've been able to apply or convert to the TYP version in several years now. They stopped allowing conversions about 5-1/2 years or so IIRC.   Used to be you had to be transferred to a specific team located in Ohio but they then allowed regular CSRs to process conversions for about a year then stopped allowing it. ... View more

@okurosetta wrote: ^^^^^  THIS   This conversion impacts me but not you SYW cardholders and from looking at the Thank You Mastercard splash page at least on the surface it doesn't appear I'll be impacted much if at all, beyond not knowing if Citi will continue to extend monthly or quarterly promotional offers.   ... View more

From looking at the Citi splash page, on the surface this looks like a rebranding, i.e.  from a cardholder perspective this largely an exercise in putting new lipstick on the Sears Mastercard with Thank You Rewards  and converting over any existing  standard Sears Mastercards that don't earn TYP.   Only real questions I have right now would be if new promotional offers that align with SYW cards will still be issued after June and what if any impact will be made to the card's native TYP cash/portal redemption rates.   ... View more

You weren't balance-chased or have recent changes in your credit profile to suggest you might be coming under some kind of financial distress, your only crime in Barclay's eyes is that you didn't use the card enough in the recent past to justify the old CL on the card which in current times isn't an unusual thing from multiple issuers.    I wouldn't worry about this triggering a domino effect.   Go ahead and close the card if you want,  given that a closed card will still contribute to your AAoA until it falls off your credit report, probably in 10 years,  and  the limit of the card vs. your aggregate credit limit across all of your other cards a closure should have minimal if any impact on your credit scores. ... View more

@csryang wrote: Does anyone know if it's a hard pull or soft pull for the "request credit limit increase" option?  And how much increase they usually offer?   I accidentally hit it and was provided this message: "Thanks for your request, We will contact you with our decision within 7-10 days." I thought it would give some disclaimer to show if it's hard or soft pull before they do it... guess not Soft pull.     Amount of an increase is YMMV but their purse strings aren't covered with cobwebs like Capital One's.       ... View more

@GZG wrote: @BudC2 wrote: Well it's definitely confirmed now! Max Cash Preferred through your local bank is much easier to get than the US Bank version. I tried pre-approval for US Bank when the pre-approval tool finally popped up again and it said no thank you and we'll send a letter explaining. I applied through my local bank and just got an email confirming as SL of $10,000. I don't know why the US Bank version is so much pickier since both cards go through the same US Bank underwriters, but I would say save the headache and just go local. TransUnion pull with score in the upper 700's last I checked.  2 out of about 6 cards with high zero percent BT balances. All others PIF immediately on receipt of cash back rewards. No need for congratulations, please. Just offering my experience. would love to know the actual underwriting difference between the two, I wonder how much it is based solely on the card not having a SUB Data points in the past suggested that they tend to be somewhat more flexible with the Max Cash Preferred regarding the number of reported inquiries/new accounts over the last 12 months, my guess is at least in part to make the Elan portfolio more appealing to the co-marketing partners.   BTW the Max Cash Preferred still does have a SUB - $150 for $500 spend within 90 days.   I tthink i was a little more than 2 years ago one of our (now former) members here contacted US Bank and confirmed that the same group of underwriters processes both US Bank and Elan credit applications, so the related comment made upthread is accurate. ... View more

Barclay has in the past been agreeable at least some of the time to allow downgrades from the Aviator Red (that hasn't always been the case for all product lines), while the Aviator White has been closed to new applications for a while a downgrade from your existing card might be allowed.      What i don't know is what their current anti-churning (i.e. closing a card and then later reapplying for the same card in order to again earn a SUB) policies are, only that at one point years ago they added one where you couldn't be approved for a card that you had been previously been approved for within the last 24 months, which for you wouldn't be a problem.   I knew of people who before the crackdown had earned 3-4  40-60K mile Arrival+ signup bonuses via churning.  Hopefully someone can chime in with more recent information.   ... View more

@JoeRockhead wrote: The new Amex will show up... it's not uncommon for them to take up to 60 days to report new accounts.  Yep-  timing aligns with when the new cards 2nd statement is generated IIRC, so given that OP was approved for the BCP roughly 7-8 weeks it should show up soon.  I also remember a comment in their 2/90 thread from last month that they were waiting for the outcome of a Green Card application.   OP needs to keep in mind that while the new AMEX account wouldn't have reported yet the related Experian inquiry (I believe the BCP was their 1st card issued from American Express) would have been reported immediately.     They also need to keep in mind that they got CLIs on both of their existing Chase cards that were fairly substantial relative to their previous limits about 3 months ago.   Magic 8 ball says "Outlook not so good".     ... View more

@NAVYCHOP wrote: Recently, I requested a CLI through their app for the AAA Daily Rewards Card and received a letter that they could not process my request because my credit file was frozen.  They must be doing hard pulls now and I do not want that done.   Not necessarily,  with a frozen or locked file they still have permissible purpose to soft pull your reports for account review purposes but they risk getting their wrists slapped if they get caught doing it in response to a CLI request.  Still, if you aren't willing to risk a HP you did the right thing by keeping your file frozen.   Bank of America is another FI that by default still won't process CLI requests with a locked/frozen file (typically TU) although they switched to using soft pulls in response to them 6-7 years ago. ... View more

@UncleB wrote: apparently my PC is complete (it's not going to take months like some banks <cough> U.S. Bank <cough>).   For a millisecond as I was reading this sentence I was thinking BoA...until I read the Socks Bank mention lol ... View more

@mAtchew wrote: @GZG wrote:   if it's not a useful card, it's okay to close it, FICO won't look down on you (too) much   good luck getting a CLI though, tough road ahead if they think $500 spend/month isn't enough I was under the impression closing this line would lower my scores due to losing the 13 year history? Perfect scenario would be to transfer this limit and the limit on my Savor to a new Capital One card with rewards that better suit my needs, and just have one card. But that is mostly me being me and wanting to have less cards and just retaining ones with higher credit limits ($10k+ is my preference).  The card would continue to report for up to 10 years and closing it would normally only have minimal-to-no impact on your FICO scores.  You'd have to end up with a senario something like either a) end up with a high aggregate utilization across all of your remaining cards, or b) close it such that it next reported with with a non-zero balance i.e. a 100+% utilization, as a closed account reports with a $0 CL,  to risk a meaningful impact to FICO scores.    Senario b) is easy to avoid  by making sure there are no pending transactions and a $0 balance when you close the card.   A closure could impact your Vantage 3.0 scores as that model doesn't include closed accounts in determining your AAoA but basically nobody that matters cares about Vantage 3.0 scores. ... View more

Unless they've quietly changed their procedures it will be a Transunion hard pull. ... View more

Noting for posterity that others are correct that you could have reallocated limit from the Club card if you chose, as Chase does allow limit to be reallocated from an existing card even if that would drop the remaining limit below its minimum SL, which for the Club card is and has been $15K even when it was issued as a Visa Signature.   Congrats on the approval! ... View more

@issac2x wrote: That's the thing @ptatohed the terms don't mention categories like [home improvement] anywhere only [total eligible purchases].   Yep that is non-category spend.   These are great if you can meet the spend organically partly because they're so easily stackable :-) ... View more

Don't lose any sleep over this - just keep using your CFU and PIF regularly like you have been doing.    Reallocating limit between personal Chase cards is essentially a non-issue - people do it all the time - and an experienced rep wouldn't be non-plussed by that type of request.  AMEX for example has a similar mindset.   There is one caveat - closing a card soon after opening it is something issuers in general don't care for and Chase is not an exception.  Having done so doesn't typically put a cardholder in any kind of real risk of AA being taken on ones remaining Chase cards but I wouldn't plan on submitting a successful application with Chase for a while.   Next time the better move would be to transfer most of the limit over from the new card over to the old one soon after approval and then in 12 months call and have the rep move the rest of the limit over and then close the newer card. ... View more

Congrats on the increas   I would have thought that there were some with fairly high limits that came over when Mercury took over a big chunk of BarclayUS cardholder accounts and issued them Mercury Mastercards, some of them had Arrival+ cards. ... View more

@dlister70 wrote: Wow, I just got a new offer in the mail.   175,000 points for spending $1000 or more on home improvement each month from 2/1 - 4/30.   Uhhh.. I guess they sell gift cards at home depot?  :)  175k points each month would be pretty cool, but I don't know if I'll be able to do that one unless someone has some home improvement tricks.  :) Home Depot does sell gift cards,  besides Home Depot cards they have others from around 75-100 other places that vary from Bass Pro Shops to McDonalds to Delta Airlines.   I can't emperically confirm that a gift card bought through them will count toward the promo offer but I do know emperically that Citi does count Home Depot as a home improvement merchant.   I got a similar offer today,  10X bonus TYP (plus the standard 1X) per $ with a minimum $800 spend up to 10,000 bonus TYP for Feb/Mar/Apr which is equal to 11% back.    I f I can buy $450 worth of gift cards as a single purchase as that would also qualify me to get a $40 statement credit in February, I could leverage that twice to net me a return of  just under 20% back on $900 spend.   ... View more