@ptatohed wrote:   Imagine of the new card can be combined with existing citi cards and the Rewards+ still had a 10% boost...... ok, now I am just fantasizing.   For a while all that was a reality if you had the TYP Sears MC.      ... View more

@smcj wrote: @okurosetta wrote: I am not sure if this has been covered yet, but if the SYW rebranded card does end up earning Thank You Points, how will that work for those with core Citi TYP-earning cards? I am assuming the rebranded card would still be managed under a separate log-in, but is it possible to link TYP accounts between core Citi cards and Citi retail cards? If it ends up becoming a TY MC, yes, it is possible to link TYP accounts between core Citi cards and Citi retail cards (or at least this Citi retail card).  Have had mine set up that way since my TY MC was a Sears MC and there was no such thing as a TY MC.  Set it up so long ago I couldn't tell you when.  Literal years. Correct, but Citi defaults to setting up a new TYP account for each new TYP-earning card so you have to take steps to join together multiple cards into a single TYP pool.  When I did it (around 2017-ish) you had to call in and give them each of the TYP accounts (not your CC account numbers, TYP had its own account structure) and the one you wanted to combine them into, no idea if they've modernized that process at all.    The Thank You card portfolio is under the Citi Retail Services umbrella so card management continues to have  its own login separate from login for core Citi cards.  Several years ago Citi put out a press release that they were working on created a single unified login platform but that never came to pass.  ... View more

If you were just doing a prequal and a copy of your Experian report from https://www.annualcreditreport.com confirms there really was an inquiry (don't just rely on sites like Credit Karma, CreditWise, Credit Journey, etc) your best bet would be to file a complaint online with the FDIC against Citibank.  Basis of the complaint is that you were only using their prequalify tool and not actually applying, and a satisfactory resolution is for the inquiry to be withdrawn (and if there was an approval the account be closed and account entry on credit reports be expunged).    If you haven't done so already you need to confirm by looking at your actual Experian report that an inquiry was recorded,  if you can't get one from annualcreditreport Experian does have a process to request one by mailing them a letter.  ... View more

New offer came in via USPS on my ThankYou card,  10X bonus TYP on total eligible in-store and online retail purchases each month Nov-Jan with minimum $800 spend that month and up to $1000 spend.  I was wondering if Citi was going to stop offering promos after this calendar year on the old Sears cards,  first positive sign I've seen that maybe they aren't.    Here's a picture from the back of the offer showing eligible categories, note the examples of purchase types not eligible.     ... View more

As others have said, just go ahead and apply for an additional card.   You can reallocate limit using your current card as the donor after an approval if needed.    BTW the $99.9K BoA TCL cap you referenced is a soft one,  depending in part on your current relationship with BoA/Merrill you may be able to exceed it.  ... View more

Congrats on the approval and getting back into USAA's good graces!  BTW don't ever take as gospel what Credit Karma gives as approval odds as they're driven by historical general demographic information, not the specifics of your individual credit profile.  ... View more

@simplynoir wrote:   !!  @simplynoir howdy stranger! - hope you and the wife are doing well  ... View more

Correct steps would be to first contact TD Bank for them to confirm they're reporting to EQ correctly, then once you have the confirmation file a dispute with Equifax, and I'd suggest you do that in writing.    The problem with calling Equifax is that while ther offshore team can often see problems they only have read-only access to the data so they have to open up a ticket for US staff to investigate and resolve;  you can try requesting being transferred to US staff but it's almost impossible to get a transfer.    If disputing with EQ fails to resolve the problem you can try opening a complaint with the CFPB against Equifax, noting that TD Bank is correctly reporting to EX and TU, TD has confirmed they are reporting to EQ, and that you have already filed a dispute with EQ without the problem being corrected.      ... View more

@Aspireto850 wrote: Submitted an application today and finally received an approval for 4500. It's quite a bit lower than what I was expecting so I called Goldman Sachs but it was a no go. If I decline the offer, do any of you know how long I have to wait before I reapply? Thanks As I understand it there's no minimum time limit between applications, only a limit of applying 5 times within a rolling 30 day window.   The question you'd need to answer is how long do you think it will be before you're able to sufficiently address the reasons in your credit profile behind the $4500 approval for Goldman to consider extending an offer high enough for you to find suitable. ... View more

@Pppoolboy wrote:     Also, the Target Red Card (now Circle Card) is fairly meaningless because you can get 5% back with the "debit" card which simply debits a chosen bank account.    That would depend upon how meaningless one finds the additional legal protections afforded credit cards when compared to debit cards.  ... View more

They already denied a request fairly recently for additional unsecured credit (CC CLI) so I wouldn't hold out hope for likely approval for additional credit tied to an unsecured personal loan.  ... View more

Congrats on the approval - USBank/Elan cards can be grown via SP CLI requests, as long as you find the card usable as-is it's all good.  ... View more

The card should continue to report for another 10 years and for most people $400 doesn't make up a large percentage of their total limits across all cards.  No guarantee but since you've paid the balance down to $0 closing it normally wouldn't have a big impact on FICO scores, maybe more so for Vantage 3.0 scores but basically anyone who matters doesn't use those.    Any particular reason why you're motivated to close the card?   ... View more

The only offers I've been getting from them  (latest was on Monday) are the mailers with 7.99% fixed APR w/5% BT fee checks.  ... View more

I'm not sure what you mean by your comment "there are no accounts to dispute the late payments".  Is there an account showing up that doesn't actually exist or is the account showing as late actually current?    You can't dispute online an account that doesn't exist on your report but that clearly isn't the issue here.    Did you get a copy of your actual TU report from https://annualcreditreport.com and use it to doublecheck for accuracy?          ... View more

@LendLong wrote: Hello all - long time lurker, first time poster here.   I got 2 cards with BoA last month with 1 hard pull  - CCR and UCR with 23k limit each. I transferred 20k of CCR limit over to UCR as I'm paying taxes with it and needed the higher limit. Current limits 3k on CCR and 43k on UCR. I'm ~815 credit score and have 120k at Merrill for Platinum Honors.   My long term goal is to get to the 99,900 limit. Any tips? Here are different angles I've considered:  - should I request CLI on both cards or just 1 at a time? Which one?   - should I pay off the balance before the due date?   - how much utilization should I leave on the card on the due date?   - should I set up a direct deposit or do anything else with my checking account to help the relationship? Insofar as CLI requests:   BoA uses an autobot that scans accounts 6 nights a week that will flag accounts it determines are eligible to request a CLI and if you log in online those individual accounts will be flagged with a blue "request a credit limit increase" hyperlink.     Eligibility to request doesn't equate to eligibility to get, you can click through and still be denied.   By the same token, not having a hyperlink also doesn't equate to being ineligible to get; people can and do get CLIs by calling in even when the autobot hasn't flagged the account as being eligible to request.    If you click through the hyperlink and complete the process the hyperlink will remain for the rest of that day, but if you click it again to make another request against that account it will automatically be processed and forwarded for manual review.   That isn't worth doing if your 1st request was either denied or your approval was a counteroffer that was less than what you had originally requested.   Similarly, if you didn't get all you asked for on a card it isn't worth trying same-day on the 2nd card.    There's a good chance a manual review will be completed by COB next business day but they can take up to  5 business days to come up with a decision. If a request is approved or met with a counteroffer you'll normally see the updated CL online within 15 minutes.    One caveat here is that BoA will sometimes silent reallocate limit from a different BoA card to fulfill all or part of a CLI request, so if you have an approval you will also want to check the current CL on your 2nd card.    IMO letting balances report is fine,   carrying balances wouldn't be beneficial.    Having a checking account can be handy if you don't want to redeem earnings as statement credits or you don't have an eligible Merrill account to redeem into but isn't necessary.  As a Platinum Honors member an Advantage Relationship Banking account should be free.    BTW their $99.9K aggregate limit on CC isn't a hard one,  they'll waive it for high-value clients.   I don't know if $120K of assets in Merrill would do it but I do know that you don't need to have Diamond Honors status or be a managed services client,  Merrill Edge is sufficient.  ... View more

@SubstandardAndPoorers500 wrote: So long story short, I'm receiving an inheritance, and it's enough to get me out of credit card debt. I already know I have too many cards, and would like to close some of them. Some people have cautioned me about closing cards, as it will lower my average age of accounts and lower my total available credit. However, moving forward, I'd only like to use my major credit cards, which have rewards, vs cards that have no benefits, with some even having an annual fee. I've also been warned that if I'm carrying no debt, I will be viewed as a greater risk to lenders. However, I will still have some installment debt, which will be about $6500 worth, which I will continue to pay down over time, but I won't be necessarily looking to carry it all the way to full term.   Have the Premier Subscription and if I paid down at least    Also, I'm military, so some of these cards have SCRA benefits, but with some of them having such small limits, I wonder if the interest rate still makes them worth keeping around. Here are all my cards with their limits (not all have balances). I only feel like  4 or 5 are really worth keeping. Discover It - $10500 Synchrony JC Penny's - $6800 Military Star - $6700  Navy Federal Go Rewards - $6000 American Express Delta Skymiles - $5000 USAA - $5000 Prosper - $4600 PayPal  - $3000 Merrick Bank - $2300  CFNA Automotive Service & Finance - $2300  Continental Finance Cerulean - $2100  Citi Best Buy - $2000 Bread Financial Express - $1750 FirstPremier Bank Platinum - $1500 Chase Amazon Prime - $1400 Continental Finance Verve - $1300 OneMain Financial Brightway - $1200 CreditOne Platinum - $1100 Bread Financial AAA - $1000 Mission Lane - $600 CapitalOne Platinum - $500 Concora Credit Indigo - $300 Citi Macy's Star Rewards - $200 23 cards....$67,350 in credit. I may not post much but I've poked around this forum long enough to know that there are folks who have this with 3-6 cards. I get it I'll take the hit but with 22 cards, something has to change....after all that's how I got into this mess into the first place.   I appreciate any and all thoughts, thanks.     At an absolute  minimum I'd strongly consider ditching all of these cards I listed below within the next year, if any of them is carrying a balance pay it off before closing the card.  They're all rebuilder cards and your current ability to get cards from multiple issuers who target prime and near-prime applicants (Chase, Citi, AMEX, Synchrony, Bread/Comenity) demonstrates that you've outgrown them.    Insofar as getting rid of others I think there's probably no real harm in keeping them open for now as long as you don't find it stressful to manage them all.     One thing you do want to be wary of is asking for limit increases on your Synchrony cards, especially on multiple Synchrony cards, to try to offset the resulting decrease in your aggregate credit limit.  They're comparatively hypersensitive nowadays and emperically someone who makes multiple CLI requests on Synchrony cards within a short period of time puts them at risk of having all of their Synchrony cards closed.    Prosper - $4600 Merrick Bank - $2300  Continental Finance Cerulean - $2100 FirstPremier Bank Platinum - $1500 Continental Finance Verve - $1300 OneMain Financial Brightway - $1200 CreditOne Platinum - $1100 Mission Lane - $600 Concora Credit Indigo - $300 ... View more

@GZG wrote:   also check the card to see if the CLI went through and the limit is increased ^^^ this - if approved you'll see the updated CL online/in the app well before a notice is sent out.   ... View more

The caveat is that many of the no-AF 2%+ cashback cards like the Citi DoubleCash, WF Active Cash, Synchrony Premier, TD Double Up, etc. have a FTF and sometimes you have to do a fair amount of sleuthing to find the disclosure.  These are examples of those known to have no AF and no FTF.     NFCU Cash Rewards,  if approved for at least a $5K SL, or if a later CLI pushes the limit to at least $5K.  (below that it's a 1.5% card) PenFed Power Cash Rewards,  if active/ex-military or have a checking account (free account with $25 balance is OK) otherwise is a 1.5% card PNC Cash Unlimited SoFI Unlimited  Fidelity Rewards  Robinhood Gold, but being a Gold subscriber does come with a yearly fee.  SDFCU Premium Cashback+ - be aware that since I've been a member on MF opinions of this CU here have been all over the map - many people have sung their praises, many wouldn't wish them upon their worst enemies.  ... View more

@Thomas_Thumb wrote: Close but no cigar on my TU BC F8 prediction. No loss ... I quit smoking back in Nov 2011 anyway.   @coldfusion  EX Fico score 2 tops out at 844. So, a 55 point drop would correspond to a new score of 789 at most. Are you referring to the EX bankcard score 2 version? That one tops out at 878. So, a 55 point drop could still net 823 - or 815 if your prior score was 870.   For reference: EQ score 5, TU score 4 and EX score 3 are all based on the Fico 04 model. EX score 2 is based on the even older Fico 98 model. i don't know how I did it when transcribing the mortgage scores, but I got numbers mixed.  The FICO 8 and Bankcard 8 numbers are correct.    FICO 2:  842 -> 800 FICO 4: 820 -> 822   (!) FICO 5: 804 -> 789 ... View more

As of yesterday all 3 majors are reporting the new account.  Some updated numbers:   EX FICO 8 - 838 (no loss from the inquiry, -12 from the new account) TU FICO 8 - 846 (-4) EQ FICO 8 - 850    EX Bankcard 8 886  (-14) TU Bankcard 8 886 (-13) EQ Bankcard 8 883 (-5)   FICO 9 - all still 850 FICO 10 - all still 850   The big losers were FICO 2 (-55, down to 815) and FICO 5 (-30).  FICO 4 only dropped 4 points.        ... View more

@bs1234 wrote: We didn't have actual proof either, but in my mispent midlle age, when doing heavy MS, the idea was always to avoid the dreaded "eyes on the account".    So when it was time to get the next credit card that the issuers had not thought through, the goal was to get automated approval.  People did this by reducing CLs on innocent cards and/or closing others.     It worked but perhaps so would have not doing it, we don't know.   But as for "terrible" advice, that's a little too strong.   For many here, going from say $400K total credit line to $350K hardly meets a credible definition for a terrible mistake. Agree with your comment re: "terrible advice".     Also, to give a specific real-world example related to the idea you reference,  before Chase implemented 5/24 and the 24 month SUB rule there was a widely circulated general recommendation for card churners*/bonus chasers to CLD existing Chase cards as necessary such that total Chase exposure was below a given threshold specifically to maximize the odds of an automated/instant approval.    * In the more traditional sense where you'd get an approval,  earn the SUB either organically or via MS, close the card,  and then later reapply for the same card and earn another SUB.    ... View more

@NoHardLimits wrote: I've found that Experian removes inquiries on the first or second Saturday of the 25th month. That's correct - emperically it's done on the first Saturday of the month unless that day is also the 1st or 2nd calendar day of that particular month.      To give 2 specific examples the first Saturday of this month was Oct 4th, but next month the first Saturday is also November 1st.   This month's aged out inquiries would have been dropped on the 4th but next months should be processed on Nov 8th.   ... View more

@Pppoolboy wrote: That's cool but you can also get to the same place with cards that don't report to personal credit lines at all... AKA business cards.  I don't personally feel the need to chase a huge overall CL because 75% of my spend is on credit cards that never see the light of credit-reporting day. To help fill in the gaps sure, but a) there are fewer options for business cards than personal b) if you don't have an actual established business with a track record of sufficiently high income you'll need to personally guarantee payment as a condition of approval and the related inquiry/inquiries will show on their personal report(s)  c) some issuers monthly report business cards with a PG in good standing on the guarantors personal credit reports d) essentailly all issuers reports business cards with a PG that are in arrears e) different issuers have different levels of tolerance for blatantly non-business purchases on business cards (AMEX for example is known to be fairly tolerant,  Chase less so)    So...can be helpful but not a panacea.  ... View more

I enjoyed reading this thread lol    No worries about the dealer making a profit barring a bad screwup on the valuation of your trade-in but as for Biff the Finance Guy geting his comeuppance hey, sucks to be him.   ... View more

@LivingTheAmericanDream wrote: Received a Pre-Qual from Bank of America for their Mastercard. Wondering what my chances of approval are after I recently was approved for the BofA Visa. And, if less than 30 days, use the original HP? Thanks 👍 BoA 2/3/4 rule - you'd pass, BoA allows 2 BoA card approvals within a sliding 60 day window.  BoA 7/12 rule would apply - you pass if you've acquired less than 6 new cards total from all issuers in the last 12 months, otherwise it's tough.  Yes to the reuse of a HP, although they sometimes will make the hard pull and when they later reconcile their records and realize they already had a recent inquiry they typically will on their own initiative have that later inquiry withdrawn.   The process to withdraw an inquiry takes a couple of discrete steps and takes a few weeks from start to finish.    Only caveats off the top of my head are a) whether you got an actual preapproval or what is in effect an invitation to apply and b) if that preapproval/ITA came via USPS/email/online message in Activity Center the dataset used to generate the preapproval/ITA is likely from before you applied for that Visa, given your inference that application was made less than 30 days ago.   If that were the case the reliability of the preapproval is degraded.      ... View more

1st round of data:  card started reporting on TU yesterday, TU FICO 8 went from 850 -> 846, TU Vantage 3.0 remains 835.   ... View more

@unsungivy wrote: So wait. The offers we currently have running that are through 12/31/2025, are these still good? The gas/restaurant/grocery offer on my TYP card carried over in the May conversion so I'd expect yours would as well.  ... View more

The company that owns them has been in a tight downward spiral including layoffs and facility closures so I wouldn't be surprised if there's an impending crash.  ... View more