Credit Card Discussion Thread

[winb83]

Up another $1250. I can't seem to get my Prime Rewards to budge though

That's because it's a Chase card. They do hard pulls for CLIs and usually you have to initiate it. I got a Chase Freedom when my credit score was in the upper 600s and it's closer to 820 now about 10 years later and I still have the same limit as when I applied and got approved.

 

[Obreh Winfrey]

I heard you have to call them idk if you’re waiting for them to it automatically.

My credit score keeps getting digged because I use like 70% of my limit in a month.

Despite paying off the balance every month

Side bar: my capital one card, just went from $400 to $3400.

I haven’t used it months though

That's because it's a Chase card. They do hard pulls for CLIs and usually you have to initiate it. I got a Chase Freedom when my credit score was in the upper 600s and it's closer to 820 now about 10 years later and I still have the same limit as when I applied and got approved.

I been trying to initiate through the app periodically, I've never waited on an automatic increase on any card. The app just perpetually says the option is not available or some shyt.

 

[Secure Da Bag]

I tried to apply for a American Airlines CC. Got denied hard. And I got a credit score of 715. Usage on all my cards are under 30%.

Why they don't want me, man?

 

[Serious]

I tried to apply for a American Airlines CC. Got denied hard. And I got a credit score of 715. Usage on all my cards are under 30%.

Why they don't want me, man?

Algo knows you’re black

 

[Hoshi_Toshi]

That's because it's a Chase card. They do hard pulls for CLIs and usually you have to initiate it.

Not true. At least as of a few months ago. They do soft pulls with Transunion. I confirmed with them last week when I requested a CLI.

By the way if anybody has a chase card log into the app and request a CLI increase right now. They’ve been giving them out like crazy this month. I just did it last week and got 12k added to it. I’ve not used more than 3k on it in the last 12 months. Idk what the deal is but everybody on the CC sub-Reddit been getting them recently.

I can’t get Cap 1 to give me shyt.

 

[Obreh Winfrey]

Not true. At least as of a few months ago. They do soft pulls with Transunion. I confirmed with them last week when I requested a CLI.

By the way if anybody has a chase card log into the app and request a CLI increase right now. They’ve been giving them out like crazy this month. I just did it last week and got 12k added to it. I’ve not used more than 3k on it in the last 12 months. Idk what the deal is but everybody on the CC sub-Reddit been getting them recently.

I can’t get Cap 1 to give me shyt.

A credit limit increase isn't available for this card right now
Updating your income may increase the availability of offers.

It's 6 figures, 6 certs, and 6 feet worth of income in that box .

 

[Hoshi_Toshi]

It's 6 figures, 6 certs, and 6 feet worth of income in that box .

Damn They hit me with that like 6 weeks ago. I just ran it thru again on Monday and it was approved.

Hit them next month

 

[Imback]

We both platinum so we good… I use mine strictly for travel, flights hotels and car rentals and occasional bum rush the Amex lounges in the airport otherwise I use my Amex gold card everyday regular shyt

What’s the point of having 2?

I got the platinum, should I get gold too?

 

[BigMoneyGrip]

What’s the point of having 2?

I got the platinum, should I get gold too?

Plat is good for travel and access to delta and Amex lounges around the world..

Gold is good for everyday purchases where you get the points for groceries etc

 

[Software]

I just got the amex platinum
This shyt really doesn't have an actual "credit limit"

That's lowkey some scary shyt lol

 

[Imback]

I just got the amex platinum
This shyt really doesn't have an actual "credit limit"

That's lowkey some scary shyt lol

Kind of. Your first two months they’ll send notifications about your spend getting too high and suggest you make a payment. Which I did.

Took me about 3-5 months before they stopped sending notifications and emails.

I average around 100k a month.

 

[Skooby]

Kind of. Your first two months they’ll send notifications about your spend getting too high and suggest you make a payment. Which I did.

Took me about 3-5 months before they stopped sending notifications and emails.

I average around 100k a month.

You spend a 100k a month?

 

[Imback]

You spend a 100k a month?

Yeah primarily on AWS and travel costs.

I'm not out here stunting , Bezo's is getting most of that every month.

 

[Skooby]

Yeah primarily on AWS and travel costs.

I'm not out here stunting , Bezo's is getting most of that every month.

Ahh okay. Must be for a business?

 

[Imback]

Ahh okay. Must be for a business?

Yeah.

Machine learning costs. It’s incredibly expensive