@Wavester64 wrote: @coldfusion wrote: @GZG wrote: @Wavester64 wrote: What do you suggest I do? Per the agent, the HP is good for 30-days. sorry if I missed parts of the story but, based on what I read:   you applied for a CLI knowing it would be a HP   you got a HP   they decided they aren't doing CLIs on the 3% AOD card anymore    ???    you get to use the HP for something you didn't apply for because reasons   I'd be demanding they remove the HP, personally, no chance I'm letting them get a HP on me, particularly if they do end up nerfing the 3% for the current cardholders. Glad I saw this because I was going to say essentially the same thing.   It isn't on you if they chose to no longer offer the option but did not adequately communicate to internal staff or update their application software to not process the request.   What you can consider doing is to send them a letter CMRR saying something along the line that since they are no longer offering the ability to be approved for CLIs on the card and neither inhibited the ability to request one or otherwise disclose that info before you applied they should not have processed your application and therefore you want the hard pull withdrawn within 30 days.   If they don't respond positively and the inquiry is still reporting 31 days after they get the letter (that's one reason why the CMRR) file an online NCUA complaint.   A withdrawal takes a bit of work on their part and they may not have a lot of experience in how to do it but that's an AOD problem. Hey @coldfusion  Exactly what you are suggesting here is what my CSR recommended to me today. They asked me to email them again with all the details, addressing Equifax, and they are going to add something formal on their part as well to attempt to remove the HP from my CR. Lets see what happens. I'll update this thread once I find out how it turns out.  Yay!   They can definitely have the inquiry withdrawn, since they appear to be willing to do this they will just have to follow the correct steps.  Do understand that the process can take 1-2 months to be resolved.  Good luck!         ... View more

Try filing a CFPB complaint? ... View more

@GZG wrote: @Wavester64 wrote: What do you suggest I do? Per the agent, the HP is good for 30-days. sorry if I missed parts of the story but, based on what I read:   you applied for a CLI knowing it would be a HP   you got a HP   they decided they aren't doing CLIs on the 3% AOD card anymore    ???    you get to use the HP for something you didn't apply for because reasons   I'd be demanding they remove the HP, personally, no chance I'm letting them get a HP on me, particularly if they do end up nerfing the 3% for the current cardholders. Glad I saw this because I was going to say essentially the same thing.   It isn't on you if they chose to no longer offer the option but did not adequately communicate to internal staff or update their application software to not process the request.   What you can consider doing is to send them a letter CMRR saying something along the line that since they are no longer offering the ability to be approved for CLIs on the card and neither inhibited the ability to request one or otherwise disclose that info before you applied they should not have processed your application and therefore you want the hard pull withdrawn within 30 days.   If they don't respond positively and the inquiry is still reporting 31 days after they get the letter (that's one reason why the CMRR) file an online NCUA complaint.   A withdrawal takes a bit of work on their part and they may not have a lot of experience in how to do it but that's an AOD problem. ... View more

For half a second there I thought I had been somehow misdirected to the peopleofwalmart website.   Congrats on the approval! ... View more

@yeet_master420 wrote: did anyone get the make a purchase of 300 or more for a 50 dollar statement credit (each month for 3 months?) I got this offer today via USPS.  I'll have to think about how I might organically leverage it double-dipping offers. ... View more

Penfed is an atypical case though as their original charter had pretty well defined restrictions/requirements on membership eligibility.    It only opened up a few years ago when they merged with another CU whose own charter allowed for much less restrictive eligibility requirements. ... View more

Your best bet likely would be to call and schedule an in-person meeting with a Merrill advisor at your local branch.  Depending on where you live there may be one dedicated to that branch or their availabiity for a given day of the week will depend on which of 2-3  branchs they're working out of that day.   3 of the things you're going to want to discuss are options regarding transferring existing ETFs from Fidelity to Merrill management, the differences between being a Merrill Edge (i.e. self-directed) client vs. leveraging managed services and, since the example of spend you gave is based on having 5 cards,  to confirm whether BoA still also adheres to their 2/3/4 rule i.e. 2 BoA cards in a rolling 2 month window, 3 in 12 months, and 4 in 24 months.         ... View more

I wouldn't worry about a financial review.    It's possible that if you apply for another card they come back with a 4506-C request even if it's a business card where you're a personal guarantor, but that's not a financial review.  A 4506-C request focuses on verifying income.   ... View more

@Cory88 wrote: What are some easy credit unions to join that are basically open to everyone and don't do a a HP for membership? For starters there are probably several local ones near where you live or work that you're eligible to join simply because of where you live or work, it would be easy enough to walk in or call and ask if they hard pull just for membership.       What is it you're looking for in a credit union other than it being easy to join without taking a hard pull?   Good credit cards?  Low-APR auto loan?  Comparatively high yield on deposit accounts?    Not all of them are good at all 3 of these criteria for example. ... View more

@300FICOScore wrote: What if I apply once a week? I'm not going to spam 10 applicatoins in a day. I could also apply through my existing Citi Account since it is already linked to me, and then apply through the phone so that I can complete whatever identity verification is required.  https://www.doctorofcredit.com/credit-bureau-citibank-pull/ I used this source earlier to determine that they were much more likely to pull Experian as they were Equifax or TransUnion. Hopefully in 3-5 applications, they will end up pulling Equifax or TransUnion though. You might get lucky and strange things sometimes do happen, but I suggest that you don't count on success.     ... View more

@rgd51 wrote: @GZG wrote: @rgd51 wrote: I have a credit score of over 800 with a decade of credit history and no baddies ever. I first applied for the double cash in November 2020 but was denied for too many recent inquires, I think I'd had 6 within the last 12 months.   I applied for the double cash again in December 2022 with only 1 inquiry on my report which was an inquiry from the day before. I was denied just due to that inquiry.   I had another inquiry a couple days ago which was my first inquiry since then. If I apply for the double cash again now would I still likely be denied due to the recent inquiry? Seems Citi really does like me lol yes, pretty sure citi will deny for any inquires within the last ~10 days?    I'd wait until you were at least 0/6, if not 0/12.    0/3 if you want to push it I don't get why they're so inquiry sensitive. They've been somewhat sensitive to inquiries and new accounts for years which in part manifested itself with their fairly hard 6 inquiries in 6 months (i.e. the 6/6) rule, and even before the pandemic started that 6 inquiry threshold was a best case senario.  Like just about everyone else they've tightened things up in response to the current trend of increasing overall CC debt being carried and the uptick in defaults.   ... View more

Got an emailed ITA today for the GM Rewards card, reminding me that I can apply without impacting my credit score without a HP unless I accept an approval. ... View more

@Janneman wrote: @xenon3030 wrote: I had BOA PR for some years and since I got CSP and US Bank AR, I decided to PC it to UCR. Its last AF got posted 4 months ago. Since this card is in SD, instead of waiting till the next year to post the AF and afterward, request PC, I decided to PC the card now.   I was told that the process may take up to 2 months. Anyway, it went faster than expected and after 2 weeks, the card got updated to UCR in the app. It was also surprising to see that the AF got refunded completely. Can you write the full name of Bank of America PR and UCR, please? Thanks Premium Rewards and Unlimited Cash Rewards.    The UCR is a straight-up no-AF 2.62% cashback card for Platinum Honors and Diamond-level status clients.   BoA really is comparatively slow to process product changes, 2 weeks isn't unusual but I'm more used to reports from cardholders that they were told it could take up to a month. ... View more

@Bockrocker wrote: Wonder if using it through the website will work with more/different gift cards. If Citi catches on that people are playing that game don't be surprised if they prioritize plugging that loophole.   ... View more

@TyrannicalDuncery2 wrote: @abcdefghijklmnopqrstuvwxy wrote: i activated an offer of "spend $750 to get $50", however, i don't think i'll be able to complete it within 30 days this time around. Will SYW not give me these types of offers going forward?  The algorithm seems pretty mysterious, but I did fail to complete an offer like that and then received another similar one the next month. My own approach has always been to activate an offer even if I'm positive that I'm not going to meet or try to meet the spend threshold, never had a problem with getting offers.  They did stop with the unrealistic-for-me thresholds on gas/grocery/restaurant offers and lowered them to ones I could meet either organically or with the occasional Amazon gift card. ... View more

@nytokyobred79 wrote: @CorpCrMgr1 wrote: I'd sit back for the six to 12 months and then give it a shot! I don't have any Merrill products, etc so I can't speak to how much that would influence a decision considering the number of recent new accounts. It could if you're someone who gets courtesy calls from Merrill FAs at the local financial centers, beyond that not really. ... View more

The 'request a credit line increase' blue link is just triggered by an autobot as part of the nightly batch processing.  Having it doesn't mean you'll get one if you request it, and conversely there have been multiple data points over the last few years that confirm that even if you don't have one you can still call in and successfully ask for one. If you want a CLI don't be afraid to call and ask as it would only generate a soft pull, almost certainly from Transunion.     ... View more

@K-in-Boston wrote: That was a pretty golden era of large SUBs. It sure was!!!!! ... View more

@BallBounces wrote: @coldfusion wrote: Right now, 66.  More than 80% of them were from my early 2017-early 2019 marathon when I was averaging a new card every 2 weeks.     What were your FICO08s during that marathon period?  We presume an otherwise clean profile? Clean profile - FICO 8 scores were generally  in the 790-805 range.  FICO 9 scores were higher, Vantage 3.0 were close to 100 points lower. ... View more

I set aside about 30 minutes of structured time once a week to keep tabs on my accounts and quickly scan my reports for anomalies then address bills I hadn't already dealt with on an ad-hoc basis.   I don't mind doing it and it's become routine for me but that level of effort is definitely not for everyone.     ... View more

Log in online and see if there's a special offer for you in your Activity Center.   If so....maybe.  If not, no it isn't. ... View more

Right now, 66.  More than 80% of them were from my early 2017-early 2019 marathon when I was averaging a new card every 2 weeks.     ... View more

@WavysMommy wrote: @ForwardLooking wrote: Sounds like you have them concerned.  Have you been only paying the minimums, carying balances on a lot of cards, or increased balances somewhere else?  Synchrony does not like to see balances linger for long periods of time.  I experianced that with both my Paypal and my Amazon Store Cards years ago.  Did they send you something explaining why your limits were decreased?  Pay down your outstanding balances on all of your revolving lines and your scores should rebound assuming the drop was because of the CLDs.  Get them all to zero if you can, not just the Synchrony ones.   Started using them more recently, whereas I didn't much of the previous year. That probably spooked them.    You went from minimal usage to within a short timeframe carrying balances on 5 of their cards?   The carrying of that many balances would grab their attention.   ... View more

Over the last several weeks I've received offers-to-apply and pre-selections either via email or USPS for  BMO Cashback, Venmo, Petco, AAA Advantage, and Citi Rewards+ cards. Not going to try for any of them.   ... View more

@longtimelurker wrote: I guess it depends on whether cashback/statement credit had the same redemption per point value as gift cards.  Some issuers, such as Amex on some cards, have rates that are worse. Citi does something similar with the TYP program depending upon which card(s) are associated with your TYP account.  From memory the Sears TYP version does natively use the same penny a point valuation for cashback as it does for gift cards but my cards are now linked together in the same TYP account with my Premier as primary so that needs to be fact-checked. ... View more

@pizzadude wrote: There's also the Apple Card HYSA, but in any case congrats on holding out for a better offer next time !  Even the HYSA has lost some of its luster, the offered interest rate was a market leader when it first opened but there were a fair number of reports from depositors having difficulty in withdrawing money and while they still pay a competitive rate there are other viable FDIC-insured options including from some of the larger regional banks (PNC, BMO, Citizens all have offerings with no mininum balance) or US Treasury-based MMF portfolios like TTTXX or FSIXX with the same or higher rates.  Most of the income from these 2 portfolios are also exempt from state and local taxes as well. Agree on holding out for a better offer. ... View more

@markbeiser wrote: @youngandcreditwrthy wrote: BOA is great with BTs. As soon as this 15 mos expires, bet they send another.. in form of blank checks. sometimes theyll offer 1.9 or 2.9 for 12-16 mos sometimes with no fee too!!!!   I used their blank checks to pay off a car early!! haha    CONGRATULATIONS!!!!! :-) Despite being a PR member, I never get stuff like that with my CCR card. Not sure if it is because it was a forced conversion from a card they don't offer anymore, or maybe because I don't actually have any credit card balances to transfer. Maybe they will offer me cool stuff on my new Susan G Komen card. They don't always send out mailers.  Try logging in online and select your CCR under Accounts and then the Activity tab. Look along the right side to see if you have a BT offer, something iike this:   ... View more

@CreditCuriosity wrote: Marketing got same offer today.  It isn't a pre-approval or anything of the sorts.  Sure if you credit merits it you could get approved, but nothing more than mass marketing This.   BoA only makes preapproval offers as one of the types of offers sent to existing clients through their online Activity Center.  Anything sent through mail/email or generated through their online 30 second check for personalized offers are only offers to apply and the related offer codes are used by their marketing team to help evaluate the performance of their marketing efforts. ... View more

@Kforce wrote: However curious as to how long with no use before they closed it ?   2 years puts you on their radar.  They at least used to mail you a warning before taking AA that you needed to make a transaction by a stated date else the card would be closed. ... View more

Picturing Discover cards with 3 hard pulls and $100 CLIs....ugh. ... View more