2 AMEX, BOA CLI & Discover-It Denials - Recon?

Hey everyone!
I had been riding a hot streak the past few days getting Cap One Quicksilver and Venture, Chase Freedom & Citi Double Cash. I was brought back to earth with a thud by the AMEX Everyday denial, and taking some advice I found in one of the threads, applied for the Delta card so they'd use the same HP. Also a no-go, but it was because I was already rejected for the first card. Discover also told me take a hike.
Should I recon all in 30 days? I'm thinking my newer balances haven't posted and the HPs showed high util on 2 cards and maybe HPs for the new cards. Worth a shot via backdoor or lick my wounds in the garden for awhile?

You can try to recon within but the denial may hold.  What was the reason given to you for the denials?  That often holds the clue.

Similar Messages

  • The Definitive Amex 3X CLI Guide

     Note:  while this was at one time the correct guide, recent changes in policy have changed.  There will be updated information coming soon. One of the most popular topics of discussion on the forum is the American Express 3X CLI. Here is a small guide I put together to alleviate some misconceptions based on personal experiences and discussions here and other boards. Please feel free to suggest modifications or enhancements. Please don't copy/paste the information to other boards. Linking here is fine.  
    What is the 3X CLI?
    =========================================================== American Express is one of the most sought after credit cards in the market. They are also typically one of more generous companies with respect to credit limits outside of the credit unions. For folks who do not qualify for NFCU and other credit unions known to issue high credit limits despite low FICO scores and or moderate credit history, the best way to get high(er) CLs is to first get accepted into American Express and then apply for an increased credit limit upto 3 times the existing approved limit after a certain minimum number of days have passed (discussed in details below). This really comes in handy when the initial approved limit is on the lower side (example $2,000) due to internal American Express risk score models, mostly for folks starting out in their credit journey or with other risky credit/income factors. After completing the "60" day magic number of the account being open and in good standing, one can request an increased credit limit upto 3X the initial limit starting with the 61st day, meaning someone who got approved for $2,000 could request that the new credit limit be $2,000 x 3 = $6,000, someone who got approved for $3,000 initially could request the new credit limit be $3,000 x 3 = $9,000 and so on.  Why is the 3X CLI Important?
    =========================================================== Credit Utilization is one of the most important components of the FICO score (30% per official wording from FICO).Given the same amount of spending, with higher available credit, utilization is lower and hence FICO scores are higher. But more importantly this is a gateway to getting approved for other prime cards/rewards cards like Visa Signature, MasterCard World, points, cashback etc offered by various lenders like Chase, Citi, BoA, US Bank etc who typically issue them if they see an existing high limit card. Higher limits from one lender attracts higher limits from others up until the overall available credit reaches a certain threshold. No other lender is known to have a 3X CLI policy and that too as early as the 61st day. One may be able to procure a CLI from other lenders but typically it is a hard inquiry or sometimes flat out denial because the account is considered too new. Amex is the only lender that offers this. More recently though GEMB issued credit cards are also known to get generous increases (sometimes even > 3X initial limits) via a Soft Pull. This policy is relatively new but widely reported to be successful across different boards.  Is the 3X CLI automatic or guaranteed?
    =========================================================== Most definitely not. The components factored into a CLI approval or denial are not published but widely accepted to be similar to the FICO models. Amex also asks for income and rent during the CLI request process. Other factors remaining same, chances of a CLI approval are higher if the account has always been in good standing e.g lower utilization, low risk spending patterns, on time payments etc. The 3X CLI request has to be manually initiated by the account holder after becoming eligible. 
    Will there be a hard inquiry when requesting 3X CLI?
    ===========================================================
    Fortunately not. American Express initiates soft pulls on Experian throughout the life of an open account with random frequency. During the first 60 days, it is not uncommon for Amex to have soft pulled at least 3-4 times. The CLI approval or denial will be based on the last soft pull before the CLI request and other factors like income/rent etc. A new hard pull or soft pull is not initiated when requesting the 3X CLI. If in doubt, get a copy of your Experian report and see when Amex issued a soft pull to gauge account statistics at that snapshot and request CLI accordingly. Post 186 explains how to get your experian report and check for soft pulls. If there are concerns that the overall utilization or Amex utilization was high during the last soft pull, it might be worth waiting a few more days and then applying for CLI after Amex has issued a new soft pull. 
    When does an acccount become eligible for CLI?
    =========================================================== Amex does NOT increase an account's credit limit during the first 60 days after it has been OPENED, or for at least 6 months from the last credit limit increase. The key word here is OPENED aka the account creation date. There are a few ways to find out the exact date the account was opened. a) Call the number on the back of the card and simply ask the friendly customer service rep. There is nothing to be worried about here or get nervous. You are not asking for a CLI to the rep, but simply the day the account was opened. This can be done during card activation itself or any point later. Some friendly CSRs will also calculate and mention the first eligible date for CLI (61st day since account opening). If they are not aware of the first eligible date, simply ask for account opening/creation date and calculate it yourself. b) "Date Opened" field on your Equifax or TransUnion credit report. Both EQ and TU report the account opened day and month accurately (Equifax started doing this recently). 3rd party credit pullers may or maynot pull the date opened field accurately, the official credit reports are the only reliable source. It is important to note that the year field in "Date Opened" is affected by your American Express Member Since date, so may not reflect the year the card was originally opened. The only downside is one has to wait for the card to report to EQ and TU first, but Amex is usually very prompt to report.
    c) Before the first statement has been cut, the account opened date is reflected under the Recent Charges field next to the "Since". Example in this pic, the account opened date is Jan 08. The "Since" field changes every statement period as it starts tracking the spending for that statement, so it is a good idea to get the account open date information using this method as early as possible. Existing Amex card members with an online profile are at an advantage to use this method because any new approved cards show in the profile before the card has been delivered physically, displaying several key account details like the account open date, first statement closing date, last 5 digits of card etc. First time Amex card members should try to setup the online profile as early as possible after physically receiving the card(s) to take advantage of this method as the first statement can sometimes close very soon after receiving the card(s). 
    Example calculation of 1st eligibility date taking the above screenshot as an example (Account opened : 01/08/2013). The account will complete 60 days on March 9, 2013 based on the following calculations:
    Number of days by January 31 : 23
    Number of days by February 28 : 28
    Number of days by March 9 : 9
    Total days open by March 9 : 60 In this example the first eligible date for CLI is March 10, provided there have been no other CLIs for any other accounts in the last 6 months, as the 60 days are completed by March 9th,  A better and easier way to calculate Amex milestones has been explained in Post 227. Using the time and date calculator, we see the same result that we got from the manual calculation above. 
    How to request the CLI?
    =========================================================== a) Calling the number on the back of the card. The number is unique to each credit product and is automated. Usually the option to request a credit limit increase is option #4 or #5, or if you are comfortable a CSR can take the application and let you know approval/denial once they submit. If you are denied, they may not be able to give the specific reason and you have to wait for an email or a letter in the mail outlining the reasons. b) Logging into your account. Click on "Profile and Preferences -> More Options -> Manage Credit Limit" under Account Management.  It is also available by clicking "Manage My Account"(Toggled to "HIDE ACCOUNT OPTIONS" in the pic below) next to the "Outstanding Balance/Available Credit" on main page    In both cases you want to request the new credit limit itself (e.g $6,000 if initial limit is $2,000). Don't calculate the increase ($6.000 - $2,000 = $4,000) yourself and mention it. 
    What happens if you are denied CLI?
    =========================================================== If you jumped the gun before the 60 days/6 months rule, the reason for denial is considered ineligibility. If that is the case you can reapply after the original and correct 60day/6month timeline. You do not have to wait an additional 90 days, so the clock doesn't get reset. If you were eligible and got denied due to other factors, then you are ineligible to reapply for another 90 days since the denial date. If you get the message after requesting CLI, that a decision will be mailed within 7-10 days, it most likely means that the CLI has been denied. There is an outside chance that the letter that comes from Amex may ask for a signed 4506T in order to give further consideration to the CLI request(details below) but in 99% of the cases it is a letter outlining the reasons for denial. It also provides the true FICO score from the bureau that was used in the decision making process. Most of the time it is Experian FICO, but Amex is known to use EQ and or TU in rare circumstances. Sometimes the reason(s) for denial is also sent via email immediately after the CLI request in addition to the letter in mail. Update 06/23/2013 : Lately there have been reports of approvals in emails within a 24 hr period after initially getting the 7-10 day message. The 7-10 day message indicates manual review and there has been a report of successful partial CLI after talking to CSR post 7-10 day message as well in Post 182  Can you request 3X CLI again after 6 months since last CLI?
    =========================================================== Absolutely. There have been lots of success stories where people have gone from $2,000 to $6,000 to $18,000 because their income and credit profile supported the increase request. It is generally tougher to get the full 3X CLI after 6 months on the same account since the first CLI however. Even if a 3X CLI is requested, Amex may counter offer a partial increase which you can choose to accept or refuse. It is a good idea to not short change yourself and ask for a partial increase from the beginning because Amex system is smart enough to offer and approve a partial CLI if eligible. Amex may request documentation to support a CLI to a CL above $25K, including a request for a 4506T.  Accounts are not suspended, nothing is mandatory. They may ask for documents, and if you don't present them, they may deny the CLI. More details below.  Additional Documentation/4506T for certain CLI Requests
    =========================================================== For certain CLI requests, Amex sends a letter requesting a signed 4506T from the card holder. Amex can then obtain tax return transcripts from IRS in order to verify income. Here is a sample tax return transcript which shows what kind of information can be obtained via a signed 4506T. A tax return transcript has far more details than just income and hence is considered very intrusive by many. If Amex does not receive the signed 4506T within 30 days from the date on the letter, then no further consideration is given to the CLI request and a letter of denial is sent. No CLI can be requested for 90 days from the date in the denial letter. Sending back the signed 4506T also doesn't guarantee a CLI approval as Amex will also evaluate the usual credit factors via soft pulls on Experian in addition to income verification. Income to overall credit available across all accounts(amex and non-amex) is one of the key factors for Amex Internal Risk Score. Lower risk score improves chances of getting approved for the CLI. The following often (but not always) are potential reasons why Amex asks for 4506T for a CLI request.  New requested credit limit exceeds $25,000 for that particular account.New requested credit limit would make overall credit extended across all Amex revolving accounts exceed $34,500 (post 123)High internal risk score due to income on file to overall credit across amex and non-amex accounts ratio being too low.Unusual/large/manufactured/risky spending patterns. It is important to note that this whole process,although inconvenient/complicated/intrusive, is different from the dreaded Amex Financial Review. During an Amex FR, all accounts are suspended and sending back the signed 4506T is mandatory in order to be considered for lifting the suspension. For business accounts, even more documentation is required during an FR. Also an FR can happen at any time and not necessarily after requesting an increase in credit limit.    Some generic Amex CLI Guidelines
    =========================================================== Requesting CLI > 3X current limit results in automatic denial. Letter in the mail indicates that credit limit cannot be greater than three times the current limit. So American Amex credit limits are capped at 200% increase. Update: Requesting CLI > 3X no longer results in automatic denial. If the account is eligible for CLI, then new limit is counter offered keeping the 200% cap in effect(meaning CLI counter offered will not exceed 3X current limit under any scenario)Canadian Amex are capped at 50% increase every 6 months (Post 45)Minimum 6 month since last CLI rule applies across ALL accounts held by an individual and includes both personal & business accounts for the same person. So if CLI was successful on a personal account, no CLI can be approved on all other personal and business accounts for the same person for a period of 6 more months. (Posts 5 and 6 of the AmEx 61 day CLI result: 7-10 day written response thread)Credit limits can be moved between accounts only after the completion of 13 statements cycles on both the donor account. Post 170 explains how to move limits between Amex cards. Additionally limits cannot be moved between personal and business cards as mentioned in Post 171 Moving credit limits doesn't reset the 6 month clock and is a backdoor to receiving CLI on same account twice within 6 months (Post 128)"6 months" timeline used in context of this guide actually is 180 days to be more precise (not 6 calendar months)  

     Carrying Balance vs PIF & Other Utilization Factors=========================================================== This section is a work in progress.  To see how charge cards affect credit scores, please check Post 204Amex clearly dislikes carrying balance. Check Post 189 to see more details and the official reason for denial as "one or more payments received in the past 12 months on your american express account were too low given the outstanding balance and repayment history"          Change Log
    =========================================================== 06/23/2013: All changes since last update marked in RED Added method to check Amex softs in official EX reportAdded time and date calculatorAdded verbiage to 7-10 message section to reflect recent experiences.Modified CLI > 3X point in generic CLI guidelines.Modified verbiage for moving credit limits to reflect 13 statement cycles for donor account only. Added links on how to move credit limits and restriction clause to move limits between personal and business cards.Added a new work-in-porgress Carrying Balance vs PIF section.
    03/30/2013: "Letter in 7-10 business days" interpretation added in "What happens if you are denied CLI?" section thanks to Revelate03/29/2013: Modified verbiage on method (c) to find account eligibility date, corrected some typos, added new 4506T section, updated generic CLI guidelines.01/26/2013: a) Added section "Some Generic CLI Guidelines") b) Added pic for another way to access CLI online c) Modified verbiage in "What happens if denied CLI".01/14/2013: Minor edits in formatting and ready for sticky.01/13/2013: Initial document. Changes incorporated via posts from bradpitt (GEMB), OptimasPrime (cropped pic) and Walt_K (4506T documentation)  

  • How soon to ask for a BOA CLI after auto increase & other ?

    Hey all. I received an CL auto increase from BOA for my BOA Cash Rewards Platinum Plus Visa in May 2015. They bumped it from $1.5K to $3.5K. This past July (2015), I recently paid off a significant portion of my credit cards.  .I currently have the following:-Chase SWA Visa ($8K bal, $9K limit).  Chase reduced this limit on me in Dec 2014 from $12K due too many new acounts.-BOA Cash Rewards Platinum Plus Visa ($1.5K bal, $3.5K limit)-Credit One Bank Visa ($500 bal, $2.2K limit).-Discover IT ($0 bal, $1.5K limit).-FNB Omaha Visa ($0 bal, $1.7K limit)-Capital One Platinum MC ($0 bal, $300 limit)-AMEX Premium Rewards Gold ($0 bal, paid off monthly) Yesterday's Equifax FICO (from this site): 685Last Month (July) FAKO score from Discover site: 683  (prior to paying off other cards)Current FAKO score from Capital One: 704 No dings in last 7 years, No Mortgage, No auto loan payment. $70K student loans in payment (all current).Recent inquiries on CR since March 2015- EQ: 1; TU: 0; EX: 5 (2 drop off in Oct)$55K-$60K  annual salary A few days ago I asked Cap One for PC and card with no annual fee and higher limit.  I asked via chat service.  No go.I also asked Discover for CLI through luv button, that too, no go.  Both soft pulls. I plan to buy a house in the next year or so.  I'd like to get all of my scores in the mid 700's.I was hoping to get a CL increase so I could close the Cap One (low limit,high annual fee) and Credit One (duh?) accounts without impacting my utilization. 1)  Are they using old soft scores from a few months back when making these decisions?2)  Do I have a better chance for a CLI with BOA? if so, how soon do I ask for it?3)  What are the chances Chase would restore my original $12K limit?3)  Is there another card I have a better chance at getting a larger CL?  (not a veteran)4)  Am I better off continuing to garden, paying down the Chase and others? I appreciate all valid advice provided.      

    Bankermeister wrote:
    Hey all. I received an CL auto increase from BOA for my BOA Cash Rewards Platinum Plus Visa in May 2015. They bumped it from $1.5K to $3.5K. This past July (2015), I recently paid off a significant portion of my credit cards.  .I currently have the following:-Chase SWA Visa ($8K bal, $9K limit).  Chase reduced this limit on me in Dec 2014 from $12K due too many new acounts.-BOA Cash Rewards Platinum Plus Visa ($1.5K bal, $3.5K limit)-Credit One Bank Visa ($500 bal, $2.2K limit).-Discover IT ($0 bal, $1.5K limit).-FNB Omaha Visa ($0 bal, $1.7K limit)-Capital One Platinum MC ($0 bal, $300 limit)-AMEX Premium Rewards Gold ($0 bal, paid off monthly) Yesterday's Equifax FICO (from this site): 685Last Month (July) FAKO score from Discover site: 683  (prior to paying off other cards)Current FAKO score from Capital One: 704 No dings in last 7 years, No Mortgage, No auto loan payment. $70K student loans in payment (all current).Recent inquiries on CR since March 2015- EQ: 1; TU: 0; EX: 5 (2 drop off in Oct)$55K-$60K  annual salary A few days ago I asked Cap One for PC and card with no annual fee and higher limit.  I asked via chat service.  No go.I also asked Discover for CLI through luv button, that too, no go.  Both soft pulls. I plan to buy a house in the next year or so.  I'd like to get all of my scores in the mid 700's.I was hoping to get a CL increase so I could close the Cap One (low limit,high annual fee) and Credit One (duh?) accounts without impacting my utilization. 1)  Are they using old soft scores from a few months back when making these decisions?2)  Do I have a better chance for a CLI with BOA? if so, how soon do I ask for it?3)  What are the chances Chase would restore my original $12K limit?3)  Is there another card I have a better chance at getting a larger CL?  (not a veteran)4)  Am I better off continuing to garden, paying down the Chase and others? I appreciate all valid advice provided. BOA might give you a CLI if you're willing to take a hard pull. Call-in and shoot for the moon. They'll counter-offer if it's too high. Chase is unlikely to restore your previous CL considering your utilization. I'd pay that down ASAP. Your scores should go up when you're below 30% utilization on that card, and it's possible that Chase will give you an auto-CLI a few months after you've paid it down. As far as another card with a larger CL, have you thought about a credit union? A credit union membership might prove useful when you're shopping for a mortgage. NASA FCU has been known to offer large ($25k) credit limits (with a 7.9% APR on BTs!). Plus, they offer unsecured lines of credit (mine's at 9.90% APR!) Don't be in a rush to close your high APR cards with AFs. Wait until you've paid down your Chase card and have either acquired a high-limit card or a major CLI (or both!) Hope this helps. Good luck!

  • Ask for amex x3 cli or wait?

    I recently was approved for 3 cards all on the same day. One of which was the amex bce. I've read a lot of people asking for x3 cli upon activation. I'm a bit nervous to do so given the fact that I opened 2 other cards the same day. Should I give it a shot or wait? Don't want to start this relationship off on the wrong foot.
    If it matters, I will be closing some of my accounts since I was able to add these 3

    CAPTOOL wrote:
    Yes-Its-Me wrote:
    Scar15 wrote:
    BARCLAY fico 719
    INQ 6-8What are the limits on your other cards? I am asking these questions to see why your starting limit is 2k.  They use the information in your entire file to make the initial decision as to how much to approve you for. So I hope you don't mind me asking..And how old is your file? Short history could be a factor.Agreed..

  • Amex auto CLI question and 100k plat offer

    Two questions: 1. Does Amex do auto cli? I feel like I may be near the line with all my amex credit so I do not want to do a SP CLI request and send up any flags, but if they were willing to give me an auto CLI I'd like one on my SPG card because I only have a 2k limit on it which is somewhat annoying. I could shift spend over to it and max it out each month, but I do not want to do so if the chances are limited on an auto cli. 2. I have seen reports of people getting a 100k signup offer on the amex plat via cardmatch.com has anyone gotten this offer? I punch in my info and see no amex offers, but I see offers for chase CSP/Freedom/Slate. The first two I have and the last I do not need. 

    Yes, Amex does auto CLIs.  As for your 2nd question, the offers does come up for those who qualify.  You just have keep checking and see if it shows up for you.

  • Finally got my ALMOST Amex 3X CLI

    I joined Amex on 03/01/15. And tried way to early. Only 30 days in. So I kept trying every few weeks and decline after decline. AND THEN BOOM!! I tried today and got $5000. It asked how much I wanted and I entered $5000 and got it instantly. Only downside is now I am thinking if I should have went for way higher and if I shorted myself. Still not bad though I went from $2000 to $5000 so this is ALMOST a triple increase with the click of a button and best thing SOFT PULL! Just wished I would have asked for more. 

    Right on!  I wonder if you request too much, they will decline you all together or would the counter?  Enjoy in good health!

  • Credit card with ITIN

    Hi, My wife doesnt have SSN as she's on Dependent visa, She got her ITIN last week and I started applying with Creditcards with ITIN. as of now tried 2 applications, Need suggestions of which would be easy to get approved. Discover - doesnt accept ITIN (Tried online, Called up, Tried adding as authorized user) - everything rejected as no SSN.Capital one - accepted ITIN, however requested Proof of ITIN, US photo ID Card or Home country passport with photo identity & proof of income (Yet to fax them).  thnkx for the help in advance!!

    Too bad about Discover. I was able to get in with ITIN but it was on 03/2014.orestrus wrote:
    Cap1, Macys, inbranch with BofA, Chase, Bloomies, Amex, CitiI was able to get JCrew with shopping trick after 7 months with my BoA and Discover. Only put the last 4 digits of my ITIN. My banker at Chase said that they will no longer approve cards with ITIN, I'll try the Chase IHG card or AARP online in a few months, I hope she is wrong. I'm not able to create online accounts with CK, CS, only credit.com, I do get TU Score with Discover, but I can't access Cap1 'Track my Credit Score' option.

  • App spree after closing my mortgage loan

    After closing my mortgage loan with Bank of America I was itching to app for some new cards... Loan closed on 6/17 and began apping on 6/19 for a week.
    Lowes store card - 35k
    Amazon store card - 10k
    Art Van Furniture - 3.6k
    Amex BCE - 3k
    Discover IT - 3k
    BofA Travel Rewards - 3k
    Marriott Premiere - 5k
    Quickstrike - 10k
    United Traveler - 15k
    Amex BBVA NBA - 20k
    97.6k Total NEW line of credit
    CLI
    BofA Better Balance - 7.5k > 10k
    BofA Rewards - 7.5k > 10k
    ExpressNext - 900 > 1.4k
    5.5k Total CLI
    Fico scores TU 761 EX 739 EQ 689 when I started apping. AAOA 15 months
    TOTAL LINE OF CREDIT $173,500 with new card and CLI
    I think I should be set for the rest of the year... i will be in the garden for the rest of the year. I'm so happy I found these forums that I've been able to rebuild my credit.

    Wow 10 new cards.. May your AAoA have mercy on you .. Congrats on the approvals!

  • Apple Pay "Your card is being activated" text does not go away...

    Hello,
    I added 4 cards to my Passbook - 2 of them say "Ready for Apple Pay" and the other 2 (Wells Fargo) say "Your card is being activated". I contacted the bank and they say those 2 cards are ACTIVE WITH APPLE PAY. They told me to call Apple. Has anyone seen this? I don't want to get into a payment situation and have the card rejected.
    Thanks.

    Thanks for the replies....
    Next day - phone still shows Wells Fargo cards are "Activating - your card is being activated""
    * Restart - done with no change
    * Re-add - No. My Bank said both cards are ACTIVE with Apple Pay so there is no need to do that. They said it is an Apple glitch (this is only with my 2 Wells Fargo cards - AMEX / BoA show "ready for Apple Pay")
    * I have not used the cards yet. The merchants in my area are so behind the times - nobody yet accepts Apple Pay in my neck of the woods in Florida.
    Anyone have this situation that fixed it?
    Thanks & Happy New Year!

  • Citi warming up to me a little..

    So after Citi gave me abysmal limits on two cards with them: Double Cash - 5/22/2015 for $1,700TY Premier - 7/5/2015 for $2,000 I was messing around on their site and noticed it gave me the SP CLI wording for my DC and went ahead with the request..bumped up $1,200 to $2,900! I've only ran about $600 through the card and it currently sits at a $0 balance. I then switched it to my TYP, which I've had less than a month, and it too gave me the SP CLI wording...BOOM! Up $750 to $2,750! Not much but I'll take it! Especially since neither card is even close to 6 months old! Now just to wait 4 more days for my Amex 3x CLI request!

    Santi78432 - My experience with Citi is the SPs generally are more in the $1K+ area. When taking an HP and a push from the card holder Citi seems to make the CLI larger. This is based on my own experience and some reading on this site.

  • "Ventured" Out of the Garden--AGAIN....

    Had a pre-approval for another QS and Venture from Cap. One. so I figured I'd better jump on it as I had to pay a rather large tax bill using my original Venture credit card recently and my UTIL is going to go up when it reports soon and I wasn't sure if the pre-app would still be there. However it did put me over the $3K spend quota. Snagged another $15K limit (same as my original). Was hoping this one might back at least $20K--but I'm good with it for right now--those 2 Ventures are still my highest limits to date. Didn't do the 2 for 1 for a second card because I'm pretty sure QS would have only been a $5K approval and that wasn't worth tanking my AAOA even more-at least to me it wasn't anyway.. AMEX Blue Cash Evdy-($10K) ll Capital One Venture VS-($15K) Fidelity AMEX-($5k) ll Discover It-($6.5K) ll Wells Fargo Visa
    -($6K) ll USAA Cash Rew. Visa-($13K) ll Chase Sapphire Prefereed VS-($5K) ll Capital One QS Visa Signature-($7.5K) ll OCCUBeaver Visa-($1.5K) ll AMEX Green-(NPSL) ll Macy's store card-($2.8K) + $10K special accts.ll WalMartMastercard/Synchrony-($2K) ll Synch/BP Store/Gas-($3.5K) ll Sears/Citi-($2k) ll Pay-Pal Smart Connect/Synchrony-($3.5K) ll Best Buy/Citi-($4K)ll Sportsman's Guide Visa-($7.5K) ll Coldwater Creek M/C-($5.5K) ll Credit Union Visa-($2.5K) ll FNBO AMEX-($10K) llBarclay Rewards WMC-($2.5K) ll Chase Freedom-($1.5K) ll Camping World Good Sam Visa-($2.75K) ll Union PlusMastercard/Capital One-($5K) ll Total Rewards Visa-Comenity-($2.5K) Lowe's/Synchrony-($10K) Cap One Venture VS-($15K) INQS:EX=8 EQ=10 TU=4

    Congrats, time between this app and your venture approval?  How many Cap 1 cards did you have before, and now?

  • What country can i pick that have a "none" in the payment method ?

    Im using iphone 5s and i follow the instructions that i should pick united states but it wont work there are only four methods by visa,amex,mastercard and discover -_- what should I do?

    Aw

  • Discover and Cap1 CLI's!

    Hi all, My third statement for my Discover It and Cap1 QS1 cut this week and I decided to try for CLI's on both. I've been running a lot of charges on both, mostly gas and lunch but a couple larger things as well. Paid both down to less than 10% Util before statement cut then PIF once the statement cut.  Discover gave me a $1,500 limit up from $1,000 and Cap1 gave me a $1,500 limit up from $500.  Just starting out with credit, excited for these opportunities. Hasn't even been 1 year since I got my first card so I'm pretty proud of all of this. Hoping to have an AMEX this year, but we'll see!  

    fmcrews1239 wrote:
    Hi all, My third statement for my Discover It and Cap1 QS1 cut this week and I decided to try for CLI's on both. I've been running a lot of charges on both, mostly gas and lunch but a couple larger things as well. Paid both down to less than 10% Util before statement cut then PIF once the statement cut.  Discover gave me a $1,500 limit up from $1,000 and Cap1 gave me a $1,500 limit up from $500.  Just starting out with credit, excited for these opportunities. Hasn't even been 1 year since I got my first card so I'm pretty proud of all of this. Hoping to have an AMEX this year, but we'll see!  With your scores, you might be able to get in with Amex now assuming your file is clean.

  • Sallie Mae Approved !! Can i recon for high CLI ?

    Hi All ,         I just got approved for Sallie Mae credit card for 8K at 13.99%  . I will be using this card for the 5% categories and the Discover IT for the rest (double cash back) . Though i am happy i got approved , a littlt disappointed as most of my other cards have higher limits than this , and i was expecting atleast 10 K limit on this card . If i call them tomorrow and request for a CLI using the same HP they did for the initial approval , will they even consider it ? or i have to wait a couple of months ? . Thanks ,

    Spider15 wrote:
    cbe2468 wrote:
    Called the barclays backdoor number and reconned . Credit analyst increased the limit from 8K to 10K . She confirmed the same HP report that was pulled for the initial approval was used .Totally cool! You duun gud !!! Took a nice $4k auto-cli after six months so work the card. Usually I do not seek HP CLIs.Thanks !! . Will take care of this card very nicely and expect Barclays to do the same after six months  BTW , i was trying to edit the subject topic to reflect that i had already reconned . Not sure how to do that . can you please let me know how to do it .

  • Best Course of Action for AMEX Optima Oasis CLI

    OK, so a little over a year ago, I lost most of my credit cards due to bad decisions, and was left with only an AMEX Optima rebuilder with a $900 cl and a BOA card, which they reduced my limit from $5000 to $700, and tacked on a ridiculous AF, which I never had before on the card. Anyway, fast forward a year later, and I have been learning so much from this board, and I now have a healthy credit profile with 6 total cards back under my belt. My question is...I have healthy cl on all of my newfound cc's ranging from $6000-$15,000, however, BOA and AMEX continue to stand out like sore thumbs with their paltry limits. I've tried getting BOA to increase my limit and to remove my AF and they've refused multiple times, so I've already decided if they do not remove the AF before it posts again, I will cancel that card, despite it being my oldest. However, I want to remain with AMEX, and am looking for advice on dealing with that low limit. Should I call them and request a cli on the Optima Oasis card? Is it worth the hit of a hardpull? Or should I just apply for a new AMEX, and if approved, with a decent limit, cancel the year old Optima? Or is there a better option? I just hate having these two extremely low limit cards (both with Annual Fees) in my file, that stand out like sore thumbs amongst otherwise strong credit limit cards. All advice is welcome. Thanks!

    tomfromrictmame wrote:
    Repairman wrote:
    OK, so a little over a year ago, I lost most of my credit cards due to bad decisions, and was left with only an AMEX Optima rebuilder with a $900 cl and a BOA card, which they reduced my limit from $5000 to $700, and tacked on a ridiculous AF, which I never had before on the card. Anyway, fast forward a year later, and I have been learning so much from this board, and I now have a healthy credit profile with 6 total cards back under my belt. My question is...I have healthy cl on all of my newfound cc's ranging from $6000-$15,000, however, BOA and AMEX continue to stand out like sore thumbs with their paltry limits. I've tried getting BOA to increase my limit and to remove my AF and they've refused multiple times, so I've already decided if they do not remove the AF before it posts again, I will cancel that card, despite it being my oldest. However, I want to remain with AMEX, and am looking for advice on dealing with that low limit. Should I call them and request a cli on the Optima Oasis card? Is it worth the hit of a hardpull? Or should I just apply for a new AMEX, and if approved, with a decent limit, cancel the year old Optima? Or is there a better option? I just hate having these two extremely low limit cards (both with Annual Fees) in my file, that stand out like sore thumbs amongst otherwise strong credit limit cards. All advice is welcome. Thanks!I had similar circumstances and ended up with an AMEX Optima card.  I rebuilt over the years knowing I wanted to do something about that low limit card.  I was repeatedly told by the AMEX EO I would not be able to increase the limit on that card, my only option was to apply for a new card.  When my credit profile supported it, I did apply for the AMEX card I wanted.  I haven't used the Optima card in 3 years.Thanks for the response. So I guess the 1st thing I should do is call them to ask if it is even eligible for a cli.

Maybe you are looking for