- Centurion Member
- Posts: 4041
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Thanks for the additional input, everyone!
Chase has actually been soft pulling me a lot, and that was even before I put one big charge on there that took up about 70% of the credit limit. I paid the card off totally within about 48 hours so there was no end-of-cycle balance reporting, but the 'high credit' on my recent EX report was up a lot. If Chase doesn't want to give an auto CLI within a few months when I'm using the card for big purchases, they will be permanently relegated to 5% categories and the occasional (figurative for me, I'm not sure about others) pack of gum.
It's not totally clear to me whether the 'pending' status on my Sallie Mae app meant anything credit-wise. But it definitely does say something when I get a lower-tier Platinum instead of a WMC. I'll stick with my basic plan and let my credit history grow from 11 to 16 or 17 months, have the inquiries age/fall off, make sure I have one card report a small balance, and try to give my FICO as much of a boost as possible. A 2.2% travel card would be of limited use if I got a low limit on it.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech