@Bkpisher wrote: So me and my wife are average travelers, we were looking into different airline credit cards. The Delta Gold because of its 80K welcome bonus was enticing. I applied and got approved with a 1K (sad) limit.  On one end, I'm a little disappointed in the CL, but on the other end I feel this is a starting gateway to the Amex ecosystem, which I've applied for their other cards and gotten denied in the past. Question is, is this a potential way to build a relationship with them? Or do I need one of their non co-branded cards?   My average score is 691, keep my utilization between  2 to 4% every month A straightforward way to view your experience so far including the $1K starting limit is that while AMEX takes your reported derogs seriously they also saw enough positives in your profile to give you the chance to prove yourself.   Using the card regularly and paying the statement balance in full each month is behavior they very much like to see,  just avoid cycling the limit (i.e. running up the balance close to the limit and then immediately paying it off multiple times each month) as that can set off red flags.    After 91 days you can make a CLI request (it would be a soft pull) asking for a limit increase to $3K.    By policy the most they would consider is an increase to 3X your starting limit;  if you've done your part and ask for $3K there's a realistic chance you'll get all of it but even if not they can still counter with a smaller increase.  ... View more

Use the AMEX,  pay the statement balance in full each month, and at least 91 days after the approval submit a CLI request looking to get $3K.   A $1K approval is in effect a provisional approval meant to give you an opportunity to prove yourself, and the card will tend to grow slowly at first but as you establish a pattern of use and regular PIF AMEX will probably be more generous with growth and with the starting limit if you choose to apply for another of their cards.    For now, plan on a cadence of 1 new card every 6 months.   Next step IMO should likely be a Visa/Mastercard 1.5% or 2% cashback card for non-category spend, assuming you have the Ally Platinum card.    Did you burn any of the larger credit unions?            ... View more

@RBD22 wrote: @Follower wrote: @RBD22 wrote: Edit:  I forgot to mention that I moved enough funds to ML to get Platinum Honors and submitted the request for escalation to have that status applied to my account on Friday.  Per the CS rep, that should be done by the end of this week (5 business days). Are you saying the BoA rep said they will speed up the three-month window of calculating average daily balances before activating a Preferred Rewards tier? If so, has anyone heard of this happening before? Congratulations on your approval BTW. Thanks! Yes, several users here and on Reddit have reported that they were able to get a preferred rewards status without waiting the full 3 months by calling in and asking for an escalation.  Some report getting their status within a week or two so I figured it was worth a shot.   For that one, I had to call twice because the first CS rep said that's not possible. The second one immediately knew what I was asking about and put in the request for expedited rewards.  He said the request had an expected resolution timeline of 5 business days.   I moved $110k to ML so I have the balance and would really prefer to not wait, if possible, so I figured it was worth a shot.  I need a replacement for the USBAR, regardless. It's something they've been willing to do for a while when seeding a new account with enough money/assets to qualify for status,  even if bumping an existing account it's always worth asking and to HUCA.   General rule of thumb with BoA is that many rules aren't immutable if regulatory compliance isn't in play.    ... View more

@ptatohed wrote: @KatzNDawgs wrote: @Vinjints wrote: Redeem, meaning you have to go in and claim your prize? Wonder how many might miss that step altogether. NFCU Cash Rewards builds up and you can redeem whenever you see fit, it's never an auto-redemption. Is it the same dreaded $50 increments like the Flagship?   Minimum is $0.01. ... View more

New promotional offer via snailmail came today:  0% APR on all purchases made after offer activation until 8/11/26.  Must be activated by 9/5/25.  BT and cash advances aren't eligible.  ... View more

@myfarouco wrote: thanks , i didn t know after 780 its nearly same , and why u think they denied? A likely tip-off as to why is in the title of one of your recent threads.    https://ficoforums.myfico.com/t5/Personal-Finance/Cards-MAXED-out-will-primary-help-get-new-ones/m-p/6835556 ... View more

Officially you can apply for 1 credit card and 1 charge card in a day but there are multiple examples of their approving 2 CC or 2 charge cards same-day.  Someone like  Larry Ellison or Bill Gates might be able to pull off 4 AMEX approvals in 1 day but for us hoi polloi that only happens in our dreams.    p.s.  the "AMEX never hard pulls when an existing cardholder { applies for | accepts the approval of } another card" narrative that some people still regurgitate isn't quite correct. The odds are in fact low at any given time but it does still sometimes happen ... View more

@ptatohed wrote: DST,   I believe coldfusion is suggesting you contact the creditors and request an early exclusion (where they agree to ask the bureaus to exclude it from you report(s) earlier than it was due to come off).     But, with all due respect to my friend mr. fusion (even though his method probably is the more 'appropriate' method), I strongly recommend you just flat out dispute it.  I would be surprised if you don't see it gone in 30 days after the dispute.  With an early exclusion request, you're hoping the creditor does something, with a dispute, you are hoping the creditor does nothing!  lol   You're correct that my suggestion was look into making Early Exclusion requests but EE is a request you make directly with each CRA; if the entry in question is already close enough to falling off organically they will themselves consider removing it.   Contacting a creditor directly to request removing or modifying an entry would be a type of Goodwill request.    ... View more

@FicoMike0 wrote: They went 12%, $9000,  on me, I guess they just tolerate me.  Tu 808. Utl 1% Dti 1% Highest existing limit, $27000. How soon will Chase consider a cli? Will they go 2X?   They'll consider after 6 months.  2X is not likely but it does happen.  At 12% of yearly gross income there should be potential for a fair amount of growth.  ... View more

  There is no exact formula but a very rough apparent baseline for the vast majority of people (i.e not very low or very high income) is 30% of yearly gross if you have a clean/thick/aged file without chronic utilization or DTI concerns, 40% if they also really like you, and 50% if they adore you.   ... View more

@JStapel wrote: Hi all, When I started with my company, I was denied a Corp Card from AmEx due to negative account history with them.  I recently got approved for a $5K Blue Cash Everyday personal card but had to link my bank accounts.  I was historically getting immediately denied due to the negative acct history.  What are the chances of my Corp Card getting approved now?   You should be having a conversation with your coworker responsible for ccoordinating your employers side of the business relationship with American Express.    They can often facilitate an approval for a Corporate card even if the employee wouldn't be able to be approved for a personal card.  ... View more

@DSTforlife wrote: You are right!  I have been saying for months that I need to work to get this late off.   I've just been in report maintenance mode for the last few years and not caring too much since it's my only baddie and so old.  Procrastination at its finest. 🤣 OAN:  I'm now rethinking this card because I have Apple One family plan and it's not eligible for the credit.  does Chase allow for product downgrade after year 1? You can downgrade the CSR after a year to a CSP or to one of the Freedom cards and Chase will approve with a late-stage 30 day late reporting, keeping in mind that not many people with a 30 day late reporting have FICO 8 scores up in the 780 range.      You can try making early-exclusion requests to remove that 30 day late but success isn't guaranteed and you'll need to research to discover how early nowadays each of the CRAs will consider honoring a request.  Each CRA has a different threshold and historically IIRC it has ranged from between 1 month to 6 months early.    Do you have any Mastercard/AMEX/Visa/Discover cards with at least a $10K credit limit?  Chase prefers to see prior experience with at least 1 card whose credit limit is/was at least at the minimum starting limit of the card applied for, and the minimum starting limit for the CSR is $10K. ... View more

@Saleen099 wrote: @redpat wrote: @Saleen099 wrote: @redpat  I need a cash back card 🤣😭😂🤣 I'm sure the SYW crew would be more than happy to help you out . I walked in, looked around, and suddenly started feeling nauseous. I had to call my watch dealer to schedule an appointment and see if he had any new Richard Mille pieces. After that, I contacted my friend—the concierge’s doctor—to prescribe something for the nausea. I don't think too many people would be pulling out a  Citi-issued card to pay for a Richard Mille piece...AMEX Centurion maybe.  ... View more

@idunnomypassword1231 wrote: @Saleen099 wrote: @idunnomypassword1231 wrote: can the points be redeemed as cashback for this card at 1cpp? Yes, but why?  just in case if i plan a trip and it doesn't work out, so i'd just take the cash lol Cashback for the Premier is scheduled to be nerfed starting 8/24/25 with new valuation set at 0.75 cpp,  barring governance from Citi stating otherwise I'd expect the same to be true for the Elite.  ... View more

@ptatohed wrote:   Now, the question, what exactly is 'retail'........?   That's basically the same offer I got several days ago.  If you look at the 2nd picture in post #1202 in this thread it spells out what Citi is defining as 'retail'.    I've had a few of the 3 month offers show up several days after the promotion was active, although my offers come via USPS.  ... View more

@Matt9543 wrote: Have you by chance been able to see if they're 1 cpp? They use CURewards to manage rewards, at least for the Titanium you can redeem as either cash into savings/checking or a statement credit @  1 cpp, minimum $25 redemption in whole dollar increments, haven't looked at valuation for gift cards or merchandise.   Can't think of why it would be materially different for the Supreme.  ... View more

@unsungivy wrote: Not all cards report to all bureaus. This is correct.  I suggest you start by contacting Celtic Bank to confirm whether or not they are reporting your account to Equifax as they are the issuer of the AMC card.   Normally I would have also suggested that if Celtic Bank confirms they are reporting to Equifax you then file a CFPB complaint against Equifax.  Given the current state of that agency you can still do so but you may end up needing to contact Equifax and claim you must have a split file because Celtic Bank confirmed they are reporting yet the card isn't showing up in your report.      You can't open a simple dispute with Equifax because you literally don't have an entry in your credit file to reference when trying to create a dispute.    Celtic Bank's regulatory obligation isn't to report, only that if they choose to report they must do so accurately.   Equifax is obligated to accurately report whatever information Celtic Bank is providing.          ... View more

@Rebuild2019 wrote: @coldfusion  It says   We're also revising the Your Credit Limit and the Maximum Amount You Owe Navy Federal section to clarify when a credit limit change may occur." That's just a mandated notice to inform that they're also making an update to the Terms & Conditions that will take effect at the same time as the APR revision.  That isn't a notice of a credit limit decrease.  ... View more

Is there something specific in your email advising of an actual CLD or are you thinking the "We're also revising the Your Credit Limit and the Maximum Amount You Owe Navy Federal section to clarify when a credit limit change may occur." sentence means you're definitely getting one?   That sentence in itself is just giving notice of an upcoming change to the T&C. ... View more

@NoHardLimits wrote: @SouthJamaica wrote: Personally I don't think $1M is a realistic goal for someone with $255k annual income. But good luck with it. I agree that the $1M goal will probably require a higher income, but $255k income could feasibly translate to half of that goal within a couple years.   The OP is already at $330k TCL with 18 cards.  Factoring in a 25% increase just via CLI requests would take that to over $410k.  Then, add 4-5 new cards to take it past $500k.  Of course, the current revolving balances would need to be paid off to put such a plan in motion. A former CL here had pre-COVID come very close to doing that while making less than $200K/yr.    With the vast majority of that unsecured debt resolved I think a fair but aggressive stretch goal here could be $300K/yr if a well-structured plan were developed and followed, but I also see that 25% increase as being a stretch goal.  ... View more

@dborun200 wrote: to increase score, do i need to pay these off to report a lower balnce on all or just some? these are my utulization % on each card lowes synchrony  at 36% capital one at 30% amex at 63% chase at 20% discover miles at 26% discover card at 87%  The actual impact is profile-specific and the people who fully know the scoring models don't share them but emperically there's a kind of rule-of-9's metric in play when it comes to scoring.    The most important percentages both for each individual card and for all cards in aggregate (i.e. total owed added together vs. total of limits added together across all cards) are 29/49/69/89%,  best result is for all cards to report at under 9%.   The 19/39/59/79% milestones don't appear to be quite as meaningful.    There is another scoring metric related to whether either you have more than 50% or less than 50% of your open card reporting a balance but it isn't as impactful as the utilization metrics.    So, if you wanted to address your scores you might want to start by getting your Discover card under 68.9%,  AMEX under 48.9%, and your Lowe's card under 28.9% utilization, shouldn't be hard for you on the short term to get our Capital One card under 28.9% right now either.      ... View more

@fortis wrote: Don't see an option to edit   @fortis  It's straightforward to edit your own post although there is a time limit (24 hrs IIRC) to the ability to make edits.  Just left-click on the 3 vertical dots on the upper right of your post and a small menu should pop up with Edit Reply being the top option.       When the time limit has expired you won't see that option listed.    p.s. welcome to the naughy-word filter lol  ... View more

@imaximous wrote: I actually applied for this new version of CSR, so I'm pretty sure I'll be keeping it for a while    I said it in a different thread before, but the card and new credits finally make sense for me now. I'd been holding a CSP for years just to be able to transfer URs, but the CSR was never enticing to me.   $300 travel credit + $300 Stubhub + $300 dining and I'm already way ahead of the annual fee. I've also been paying for Apple services for years, so that's another $250. Doordash credit is a bit more annoying to use because of how it's broken down, but whatever... I found a local store where I can pick up a six-pack of beer for about $10 without the usual Doordash fees. So, I'll just do that twice a month for "free" beer. Can't say no to that, lol. That's another $240. If I were to use their delivery service, then the fees and tips would double my expense, so I wouldn't really use the credit. Very few places that qualify for this credit allow in-store pickup.   I think there are still other credits and benefits like Lyft, Edit hotels, Priority Pass, Global Entry, etc., but I don't even have to worry about those. The ones I already mentioned work out without even trying or going out of my way to make them work for me. That's roughly $1400 in credits I'm getting very easily.   I honestly thought a lot more people would be able to use the new credits. Just the travel credit, a couple of games/concerts and dining out should put everyone ahead of the AF, or so I thought...  ... View more

@ptatohed wrote: Call and explain.  Tell them what you do have (2 year's ago return, bank statements, etc.).  See if those will suffice.     Or forget it, if it's not worth it to you.   ^^^ this   Whenever you apply for unsecured credit from a credit union expect to be asked to provide POI, doubly so if you're self-employed.  This isn't just a DCU thing.    They can choose to be flexible with what exactly it is they will accept vs. what they want, so it's OK to try to negotiate on what they are willing to accept.  ... View more

You can do this.    There are 2 common ways of attacking the situation you find yourself in; the 1st is known as a debt snowball (attack the card with smallest balance first) and the 2nd is known as a debt avalanche (attack the card with the highest APR).   I'd suggest using the snowball method because it has tends to hit the first few positive milestones faster but the avalanche is also valid.    Your current committed cost (rent + minimum payments) is approx $4K/month, leaving you approx $2K per month for everything else.   You need to cut back on expenses on that $2K.    The basic process is: To start,  make minimum payment + $5 on every card except the card with the $876 balance,  put everything extra you have againt that card until you pay it off in its entirety.    When that card is paid off,  put everything you have extra against the card with the current $3115 balance.  You've already freed up $25/month since you no longer have a minimum payment on the $876 card, so put that against the $3115 card as well.  When that card is paid off, attack the card with $3553 balance, and so on.       An avalanche works basically the same thing, except that instead of the card with the lowest balance you start off with the card with the highest APR and work from there.  The wrinke here is that you have a card with 0% APR, so you need to fully understand the ramifications if that entire balance is not paid off by next June. t   You may see yourself being balance chased as these cards get paid down and you might see some of these cards be closed on you as they are paid off,  but these are at the card issuer's discretion.    If that happens just accept it and keep plugging away at it.    The other thing is since you get paid every 2 weeks you get 26 paychecks per year.  For those 2 months that you get 3 paychecks use the entirety of that 3rd check to paying down this debt.    There is no 1 exactly correct way to implement a snowball or avalanche so I'm not saying you need to follow exactly what I outlined above,  only as guidance of a viable strategy.  ... View more

@smcj wrote: @Nocredometer69 wrote: Discover is now offering me 10 months at 0% with 5% fee OR 15 months, 3.99% and 5% fee. Similar to you and I see you have very good scores. Mine are little less in the 780-790 range but frankly I'm not impressed. Previous offers before Crap One purchased Discover were like 6.99% for 15 months no fee or 12 months at 0% with 4% fee. I think I'll pass .... I haven't seen a Disco 0% offer > 10 months in forever, and with the same options as you describe above (0% 5% fee or 3.99% 5% fee for longer duration).  And I have a quite healthy CL, very old account, and utilization down in the floor (zero balance carry, purchases to snag 5% cash back if I have purchases that will take advantage of it -- usually I don't).   They seemed more inclined to give me CLI when I was carrying a balance -- which sounds a lot like CapOne, now that I think about it. I did get an email offer from them on Friday (8/1) afternoon - 12 months 0% APR 4% fee. Offer good until 9/23.   ... View more

I'll just toss in a few random thoughts (my .sig is accurate) as there are good and relevant comments above from @JoeRockhead   @NoHardLimits  and  @Thomas_Thumb    As they have pointed out you're going to have a hard time reaching that goal while carrying $140K in unsecured debt, especially with the defensive posturing currently in place from many issuers.   Your FICO score is OK, but is likely being supressed at least in part because of that utilization.    If you wanted a quick and dirty data point in how you're current being viewed you can consider trying for a CLI on one of your BoA cards, CLI requests are soft pulls.    Do some research on banks/credit unions known to give fairly large limits to highly qualified applicants either on a single card ( Andrews Titanium,  First Tech Odyssey, UNFCU Elite are examples) and/or in aggregate.    Do you have substantial property equity and/or substantial brokerage/deposit assets?    Expect that at best you'd be looking at several years worth of measured cadence to reach your objective even if you weren't carrying all that unsecured debt.            ... View more

Not sure yet, but current thought is that when the AF becomes due I'll downgrade to either a CSP or Freedom Unlimited and reallocate a big chunk of CL over to my Club card.  ... View more

Offer arrived in today's snailmail.  I added a snapshot of the back to show exactly what the T&C considers as a retail purchase.    ... View more

  FYI posting referral codes on this site is a no-no.  ... View more