Approved for CLI in a snap!

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Approved for CLI in a snap!

Postby Callmedory » Tue Jan 27, 2015 5:40 pm

So we have two Amex, an older Optima (no AF, and originally obligated to pay off each month, which we did anyway), and Costco. One was at $10k, the other at $12.5k. I wanted to up out total CL to boost our available credit and score. Just for the heck of it.

Went to the site, tried to up each to $20k. Instantly..."Congratulations!"

No real need to up any others, we're just over $100k now, total. But I do want to check our scores soon. Maybe get a card to do that, use it just enough to keep it active.

Which cards are best for that, as in no AF and a so-called "real" score? Actually, reading other threads here, it's sounding like 2015 may be the year of the free credit score. Be nice to not open another card.

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Postby ingramjuan » Tue Jan 27, 2015 11:34 pm

Check out the Citi card: (Citi Bank and Free Fico Score)
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

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Postby takeshi » Wed Jan 28, 2015 8:51 am

Callmedory wrote:Which cards are best for that, as in no AF and a so-called "real" score?

Don't rely just on "real". Even with FICO's the specific model and the CRA used as a data source matter. Keep in mind that you have a score with each CRA as scores are generated based on data in a credit report from one of the CRA's. Creditors use different models and CRA's in their decisions so you can't simply rely on one FICO.

There are a number of no AF cards that offer FICO's so you should really have some other criteria to narrow down the options. The list below is by no means exhaustive -- it's just what I can recall off the top of my head.
  • Discover is popular and offers a TU 08 score.
  • I think Barclay and Walmart also offer TU 08.
  • PenFed offers an Experian FICO on a quarterly basis but it's the NextGen model.
  • IIRC Citi is 08 Bankcard but I don't recall the CRA off the top of my head.
  • I think FNBO provides Experian 08 Bankcard.

I'd suggest Googling. I'd have to search to compile a list for you since I don't actively maintain one. There are threads on the various credit sites that discuss the options as well as info on the credit blogs.

Callmedory wrote:Be nice to not open another card.

A thread on CreditBoards claims that AmEx is rolling out FICO's to users. My wife and I have yet to see anything but some apparently have already had access to scores.

You can always purchase 08 scores for all 3 CRA's directly from myFICO.

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Postby CarefulBuilder14 » Wed Jan 28, 2015 9:43 am

Do you have cards other than the two Amex ones?

Since so many cards offer FICOs now, I'd just look for a card with no annual fee that you find useful for rewards now and then. Discover is a good one for the 5% categories. Or, if you don't want the hassle of tracking another card, you could just wait until you get an EX FICO from Amex.

Amex has been giving me my EX FICO since early Nov. 2014, updating irregularly every two to four weeks. Discover TU updates are once a month, like clockwork. Barclaycard's TU updates are irregular but it appears they can be triggered by credit activity. Two of the four TU updates I've gotten from Barclaycard have been within 48 hours of opening my two most recent cards. My CSP app didn't even have a TU pull, so I guess Barclaycard is getting alerts or soft-pulling from EX.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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