Banks that do an HP for a CLI request

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CarefulBuilder14
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Re: Banks that do an HP for a CLI request

Postby CarefulBuilder14 » Fri Jun 17, 2016 10:13 pm

12volt wrote:I really want a CL increase on my Chase Amazon credit card but they told me it requires a hard pull. My credit score is currently 806. I really don't want a HP just for a line increase. Is there any way to talk to anybody there that can do it without an HP?

I know it doesn't matter but I've got large deposits at Chase and I literally put all my spending on my one card. Ugh!

Have you considered getting a new card with a different (possibly more lucrative) rewards program?
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Re: Banks that do an HP for a CLI request

Postby 12volt » Sat Jun 18, 2016 3:01 pm

CarefulBuilder14 wrote:
12volt wrote:I really want a CL increase on my Chase Amazon credit card but they told me it requires a hard pull. My credit score is currently 806. I really don't want a HP just for a line increase. Is there any way to talk to anybody there that can do it without an HP?

I know it doesn't matter but I've got large deposits at Chase and I literally put all my spending on my one card. Ugh!

Have you considered getting a new card with a different (possibly more lucrative) rewards program?


Yes. My buddy makes fun of me for using that card.

It's been my daily driver since 2009. I guess I've just grown attached to using it. I literally put everything on it. Chase branch is really really close to my work so it makes making payments and other servicing really easily.

I don't travel very much and my yearly vacations are generally paid for by work... I was thinking Amex Premier Gold? But $195 annual fee?

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Re: Banks that do an HP for a CLI request

Postby To My Credit » Sat Jun 18, 2016 3:12 pm

12volt wrote:Yes. My buddy makes fun of me for using that card.

It's been my daily driver since 2009. I guess I've just grown attached to using it. I literally put everything on it. Chase branch is really really close to my work so it makes making payments and other servicing really easily.

I don't travel very much and my yearly vacations are generally paid for by work... I was thinking Amex Premier Gold? But $195 annual fee?
If you like Chase, you might want to consider Chase Freedom, Chase Freedom Unlimited, or Chase Sapphire Preferred. I think you'd be seeing good returns on one or two of those, depending on your spend.
Current cards: BankAmericard CR, BankAmericard BBR, Citi Double Cash, Chase Freedom, AmEx BCE, Discover It
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Re: Banks that do an HP for a CLI request

Postby 12volt » Sun Jun 19, 2016 12:09 am

To My Credit wrote:
12volt wrote:Yes. My buddy makes fun of me for using that card.

It's been my daily driver since 2009. I guess I've just grown attached to using it. I literally put everything on it. Chase branch is really really close to my work so it makes making payments and other servicing really easily.

I don't travel very much and my yearly vacations are generally paid for by work... I was thinking Amex Premier Gold? But $195 annual fee?
If you like Chase, you might want to consider Chase Freedom, Chase Freedom Unlimited, or Chase Sapphire Preferred. I think you'd be seeing good returns on one or two of those, depending on your spend.


What do you think of the Chase Marriott card? It's metal :D and the annual fee is only $85. They say that I'd get a free night every year which in my mind pays for the annual fee right there?

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Re: Banks that do an HP for a CLI request

Postby CarefulBuilder14 » Sun Jun 19, 2016 12:34 am

12volt wrote:What do you think of the Chase Marriott card? It's metal :D and the annual fee is only $85. They say that I'd get a free night every year which in my mind pays for the annual fee right there?

Make sure you can actually use the "free" (not really free, since there's an AF) night. Marriott's category restrictions are, IMO, harsh.

OTOH, the plastic IHG card with a $49 AF has no category restrictions. My first anniversary night just posted, and I'm thinking of using it for a $430 InterContinental Times Square room.
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Re: Banks that do an HP for a CLI request

Postby 12volt » Sun Jun 19, 2016 1:55 am

CarefulBuilder14 wrote:
12volt wrote:What do you think of the Chase Marriott card? It's metal :D and the annual fee is only $85. They say that I'd get a free night every year which in my mind pays for the annual fee right there?

Make sure you can actually use the "free" (not really free, since there's an AF) night. Marriott's category restrictions are, IMO, harsh.

OTOH, the plastic IHG card with a $49 AF has no category restrictions. My first anniversary night just posted, and I'm thinking of using it for a $430 InterContinental Times Square room.


Thanks for the headsup on the strict restrictions.

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Re: Banks that do an HP for a CLI request

Postby Tubpbs » Sun Jun 19, 2016 8:44 am

CarefulBuilder14 wrote:
12volt wrote:What do you think of the Chase Marriott card? It's metal :D and the annual fee is only $85. They say that I'd get a free night every year which in my mind pays for the annual fee right there?

Make sure you can actually use the "free" (not really free, since there's an AF) night. Marriott's category restrictions are, IMO, harsh.

OTOH, the plastic IHG card with a $49 AF has no category restrictions. My first anniversary night just posted, and I'm thinking of using it for a $430 InterContinental Times Square room.


What specifically is strict about the Marriott redemption? How do you know if a room would or would not be allowed?,
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Re: Banks that do an HP for a CLI request

Postby CarefulBuilder14 » Sun Jun 19, 2016 10:03 am

Tubpbs wrote:
CarefulBuilder14 wrote:
12volt wrote:What do you think of the Chase Marriott card? It's metal :D and the annual fee is only $85. They say that I'd get a free night every year which in my mind pays for the annual fee right there?

Make sure you can actually use the "free" (not really free, since there's an AF) night. Marriott's category restrictions are, IMO, harsh.

OTOH, the plastic IHG card with a $49 AF has no category restrictions. My first anniversary night just posted, and I'm thinking of using it for a $430 InterContinental Times Square room.


What specifically is strict about the Marriott redemption? How do you know if a room would or would not be allowed?,

You can see a hotel's category when you do a search for hotels on Marriott.com. It's not a room-by-room thing - certain hotels are completely blacked out. To give you an approximate idea of category inflation: if you want to stay in Manhattan, the closest eligible hotel for Marriott's free night is in Secaucus, NJ.

The free night is just for a basic room. I'm not sure what sort of upgrades might be possible with status, points, or cash.
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Re: Banks that do an HP for a CLI request

Postby Tubpbs » Sun Jun 19, 2016 1:56 pm

Secaucus is a nice town. I assumed that type of caveat. I don't need a hotel in Manhattan ever, but it might be nice to be able to get one in San Francisco, or San Diego or LA or Miami or some place along those lines.

I haven't looked very closely at the Marriott categories, but I know it's always something to be considered. They'd be better off making it unrestricted and paying for half the night in my opinion. But potentially only with certain spenders I guess. The majority might be well suited by the current setup.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
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Re: Banks that do an HP for a CLI request

Postby CarefulBuilder14 » Sun Jun 19, 2016 2:39 pm

Tubpbs wrote:Secaucus is a nice town. I assumed that type of caveat. I don't need a hotel in Manhattan ever, but it might be nice to be able to get one in San Francisco, or San Diego or LA or Miami or some place along those lines.

I haven't looked very closely at the Marriott categories, but I know it's always something to be considered. They'd be better off making it unrestricted and paying for half the night in my opinion. But potentially only with certain spenders I guess. The majority might be well suited by the current setup.

Yeah, you won't get a hotel in San Francisco with it...you'd have to go to Oakland or Richmond.

I've lamented before about there not being a middle-tier Marriott card - one for people who stay in high-category hotels, but don't need upgrades, or the perks of a full-service hotel.

Of course, that's where the IHG and Wyndham cards shine...
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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