IME with Citi, when I asked for a possible CL increase to my first DoubleCash card, I was told there will be HP so I didn’t proceed. I just PCd my Dividend and AA plat cards to DCash where the higher CL of those cards were transferred to the new DCash they sent me. I’m better off with cumulative higher CL and different cut off dates.
Another monthly statement closed, and within a couple of days I’ve been qualified for the Platinum Honors. So I signed up, and my future charges starting the following day started earning the extra bonus percentage of 75%.
It’s still not clear to me how the determine eligibility, but I am guessing they needed a second monthly statement. My one month average balance / 3 would still qualify me so I have no idea how the determined eligibility.
Chase Slate has a 60-day no fee transfer offer for new cardholders, @Rowan, plus no interest on purchases and balance transfers for 15 months, no annual fee, free monthly FICO score, and no penalty APR for late payments.
Here’s a big surprise (a good one)…remember i mentioned that i figured it couldn’t hurt to try for a credit line increase at this time (even though the account is new) since the initial line was granted by a computer of course and this request would actually be evaluated by a real person lol)…I have a very good credit history and an excellent fico score as well…
Just got the e-mail response to my request (I had asked for an increase to $12,000)…
It said: unfortunately although we could not grant your full requested amount, we have increased you limit to: $10,000 which is the maximum amount we can grant at this time…
I’ll take it!
Glad i decided to go with the Citicard (instead of the Paypal)…
After a few months i might try for $12,000 (or $15,000 tops) after i show a history of doing a lot of purchases and paying the bills on time…
Recording the latest ‘promises’ here for posterity:
On October 2, 2017, Equifax announced that additional consumers may have been impacted. To minimize confusion, Equifax will mail written notices to all of the additional potentially impacted U.S. consumers identified since the Sept. 7 announcement. The feature “Am I Impacted?” has been updated to reflect the additional impacted U.S. consumers.
To help consumers determine if their information has been potentially impacted we are offering a complimentary identity theft protection and credit file monitoring product, called TrustedID Premier.
Anyone with a U.S. Social Security number can enroll in TrustedID Premier (to Protect & Monitor Credit for Free), even if your personal information was not impacted, for FREE through Wednesday, January 31, 2018.
Provide your last name and the last six digits of your Social Security number.
TrustedID Premier includes five separate offerings, all complimentary.
Equifax Credit Report: Copies of your Equifax Credit Report.
Equifax Credit Report Lock: Allows you to prevent access to your Equifax credit report by third parties, with certain exceptions.
Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.
3-Bureau Credit File Monitoring: Credit file monitoring and automated alerts of key changes to your Equifax, Experian and TransUnion credit files.
Credit monitoring from Experian and TransUnion will take several days to begin.
Social Security Number Monitoring: Searches suspicious web sites for your Social Security number.
SSN Monitoring attempts to scan internet sites where consumers’ personal information is suspected of being bought and sold, and periodically adds new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that Identity Protection provided by Equifax is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded.
$1M Identity Theft Insurance: Up to $1 million in ID theft insurance. Helps pay for certain out-of-pocket expenses in the event you are a victim of identity theft.
Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
Because TrustedID Premier includes 3-Bureau credit monitoring, please note that credit monitoring by all three credit bureaus (Equifax, Experian and TransUnion) will take several days to begin.
Enrollment in TrustedID Premier is only available for consumers with a U.S. Social Security number.
To enroll and activate your complimentary identity theft protection and credit file monitoring product, called TrustedID Premier, please follow the steps outlined below. We ask for your cooperation in adhering to this process so that we can enroll all consumers who sign up as quickly as possible. Click here to enroll.
The enrollment period ends on Wednesday, January 31, 2018.
Step One: When you begin, you will be asked to provide your last name and the last six digits of your Social Security number so we can determine if you have been impacted by this incident.
Step Two: Regardless of whether your information has been impacted, we will provide you the option to enroll in TrustedID Premier. If you want to enroll click the enroll button.
Step Three: To enroll in TrustedID Premier, you will be asked to provide additional information to verify your identity including a valid email address and mobile number. Within a few days, you will receive an email with a link to activate TrustedID Premier. Please be sure to check your spam and junk folders if you do not receive your activation email within that timeframe.
Step Four: When the email arrives, follow the link to verify your email address and complete your enrollment. You will create a password and verify your identity by answering a few brief questions that only you should know. TrustedID Premier will then be active. Please keep your password in a safe and secure location.
as expected, one has to be a member of the CU to apply.
Who Can Join?
Your SAFE membership is a valuable financial resource that you, your family, and your business can share. If you live or work in Sacramento, Placer, Yolo, Yuba, Sutter, Amador, Butte, Contra Costa, Nevada, San Joaquin, Solano, or El Dorado counties, you can become a part of the SAFE family and take advantage of the many benefits SAFE has to offer.
@fivetalents I can only speak for those I’ve helped using this technique which I got from the credit booster experts. I’d like to emphasize I DO NOT like their business model, it’s too risky for anyone to put their CCs for rent for monetary compensation. One requirement that turned me off was when he said I have to give him the PW on my credit karma so he will see my credit history aside from my CK Fako score. He11 NO!!! even if I can change my PW immediately after he makes his assessment whether I qualify or not to be his ‘business partner’. The ones I’ve helped have told me their credit scores went up just a few months after I added them as AU.
On my part, the benefit I get is to use the AU cards for sync offers that I like to get more credits. as stated…WIN-WIN. To add, I am not affected by all their other activities outside of this AU card issued to them which is IN MY POSSESSION at all times and I’ve tested the CCs if they’ll send the AU cards to other addresses and all said NO, the AU cards are sent only to primary card holder who’ll give the AU cards to their respective owners. That gives me confidence they can’t take hold of AU cards w/o my knowledge.
@richard That makes more sense to me than the Patriot Act thing. I’m sure the Patriot Act allows for asking your citizenship status … uh, well I guess that is sort of what they’re asking, just in an odd kind of way.
If you believe you were the victim of identity theft, here are some steps you can consider for additional protection:
Close the accounts that you believe may have been tampered with or opened fraudulently. Use the Identity Theft Report, which can be found at www.identitytheft.gov
File a police report and get a copy to submit to your creditors and others who may require proof of the crime.
File your complaint with the FTC. The FTC maintains an identity theft database that law enforcement agencies use for investigations. Filing a complaint also helps the FTC better assist you, as the commission learns more about identity theft and the problems it creates.
I got the card back over the summer. I use USAA for most of my banking anyway so the $1,000 DD wasn’t a problem. Instant approval, $17k limit. Been using it almost exclusively except for in categories that I had 5% for like Discover’s dining out.
According to him “Innovis offers a path to obtaining your credit report four times each year for free” and
"My suggestion is to do so at the end of each quarter, bearing in mind the current quarter conveniently ends this coming Saturday"
However, I don’t see that on their site that you can order 4 time per year In the wake of the Equifax data dump debacle ?
…and that’s exactly why I didn’t replicate that part of the OP on FW - I couldn’t find it either! I did, however, request my freebie.