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topic said:   Has anyone had any luck getting big CLIs through Citi? They seem a bit stingier than other major CCs
  i noticed Citi started allowing the online no-inquiry automatic CLI requests again last year.  They do have a max total CL line they set for you though (don't know the eqn ).  And I bumped into that last year.   The request CLI form on the citi website will tell you if there's a credit inquiry or not when you go to that page.  Usually I got ~20% of CL on each card every 6 months until it hits the limit for combined CL.

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I'm not a Citi junkie by any means. DW and I both have a few $30K lines with them. I'm not sure if that fits your criteria for big lines or not.

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Yup... The card opened at $4k, I've requested CLI multiple times without a hard pull but still stuck at $5k. It's enough for everyday spend though.

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Any suggestions for credit union based CCs for 0% BTs?

I'm pretty well full up on the major banks -- Amex, Barclays, BOA, CapOne, Chase, Citi, Discover, USAA, WF. I may go for First Tennessee and / or TD.

I've got a lot of the "regular" FWF CU cards -- Alliant, NASA, Navy, Patelco (ETA PenFed) plus some smaller / local CUs. I'd like to venture in to more CUs that are open to most / all. I've got great credit right now, low utilization, no recent inquiries, decent HH income.

I'm not looking for points / cash back, but that is always a plus, of course. I'm looking for larger lines -- $25K or greater is my Target (I have several of these already, so not breaking new ground with this effort) CUs that offer PLOCs in addition are also a plus.

Any / all suggestions are welcome!

ETA:  I have several Elan based CU CCs, so I'm not too interested in those.  I also have a few PSCU based cards, so not too interested in those either.  Sorry to be picky, but that's the life of us junkies.  

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Do you already have Penfed? They do larger CC lines and Plocs.

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Yes. Good suggestion otherwise...

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DoC on Twitter has been hot with that kind of thing including a CU that rebates up to 3% of BT. Not sure that I understand it enough to link here.
That CU rebating BTs.   BUT not sure of BT terms.  be cautious.

https://twitter.com/Drofcredit/status/757929748500578304 

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Discussion on another FW thread lists some possibilities for CC offering 2% Cash Back. Since it is not my list, I will only link it. I am not aware of any signup bonus for any of them. As always, check them out before signing up.

Possible 2% Cash Back Cards

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My question on this thread .... What am I missing that this card is not getting more attention? 3% in my popular use categories and $100.00 bonus looks tempting. So does 18 month 0% APR BT after required spend.
Does anybody here have and use this card? Opinions wanted.

Anybody that goes for it may want to do the checking account $150.00 sign up bonus first.  Despite what the FW thread says, the checking account offer is currently valid.
https://www.fatwallet.com/forums/finance/1462273/

https://www.santanderbank.com/us/personal/credit-cards/bravo

https://www.fatwallet.com/forums/finance/1355929/

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JW10 said:   My question on this thread .... What am I missing that this card is not getting more attention? 3% in my popular use categories and $100.00 bonus looks tempting. So does 18 month 0% APR BT after required spend.
Does anybody here have and use this card? Opinions wanted.
For starters, I can't find where it says how much a point is worth. The application says "see details about rewards program in the Credit Card Agreement," which isn't provided.

What xerty said. Assuming 1 point = 1 cent, the $49 AF plus quarterly cap on the 3% categories makes them 2.755% max. To beat a 2% card you have to spend > $5K/year and < $5K/quarter.

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Experian Credit Bureau soft pull followed by Hard Pull.

SPECIFIC INITIAL PRICING INFORMATION FOR YOUR CREDIT CARD ACCOUNT 

AF is waved first year and each year you have the bonus sign up checking account - See Part One

Cash back offer and rewards program: If you spend $1,000 on new net retail purchases (qualifying purchases less credits, returns, and adjustments)
within the first 90 days of opening your account, you will receive $100 cash back as a statement credit within 6 weeks.

==============

~BRAVOŽ CREDIT CARD AGREEMENT
(RETAIL INSTALLMENT CREDIT AGREEMENT)
PART 2 OF 2

See sections  6 and 7

 

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Our business is growing. We are paying our investors 10% fixed APR on money borrowed. I charge between $5-20k per month on our credit card and pay it off every month. I'd like to entertain the possibility of keeping a balance with our credit card, assuming we can get interest rates lower than 10%. I've seen my credit score range between 720-804 (depending on monthly utilization).

What credit card can I get with the highest credit limit and lowest APR? Can be a personal or business account.

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Both are possible. See the App-o-rama threads below. Depending on how you proceed, you may get 0%-5% net APR for 12-24 months.
Caution. Most offers are for a limited number of months after which the interest rate will rise well above your current fixed APR.

https://www.fatwallet.com/forums/finance/1485925 

https://www.fatwallet.com/forums/finance/1516873 
========================
Looking these over more. a few card have initial APRs above 0% APR but longer repayment periods thereby keeping the net cost of funds well under 10% APR with very nominal monthly payments for a longer time frame.  The drawdown is any personal cards will affect FICO by the increased utilization factor since you would max out individual card utilization .
I have had one Cap One card for over a decade under 5% APR ... was a special offer at the time.
I have passed on a few other such offers, but they are out there.

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My son has been using my credit card for 3 years as an additional account and now has a nice job after college. We just got rejected for SW credit card with a message "few revolving accounts open long enough to establish credit history" (his score is 810). What is a good card to apply for him please?

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Try the local credit union and/or place he banks at. As an established customer, his odds improve.
Take proof of job like a pay stub.
Check these prequalifier web sites which will NOT be a hard pull on his credit report.

Article - View Your Pre-Approved & Pre-Qualified Credit Card Offers
http://www.doctorofcredit.com/view-personalized-credit-card-offe... 
===========
Not all Chase cards as hard to get. It will not hurt to look at these.
https://www.chase.com/prequalified?CELL=60KT

www.capitalone.com/CreditCards‎ 

Banking at US BANK? It helps. Check out the link anyway.
http://www.doctorofcredit.com/view-your-u-s-bank-recommended-car... 

=================================
Visit in person a Wells Fargo location if you bank there.

I would call rather than apply at Bank of America. IF you bank with them, the odds of card approval go up.
https://www.bankofamerica.com/credit-cards/credit-cards-to-build-credit/

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Sounds good, thanks for the great info. I really appreciate it.

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rdurai1 said:   My son has been using my credit card for 3 years as an additional account and now has a nice job after college. We just got rejected for SW credit card with a message "few revolving accounts open long enough to establish credit history" (his score is 810). What is a good card to apply for him please?
  Capital One Journey is marketed as student card but doesn't actually require applicant to be student and is fairly lenient. Otherwise Discover secured card is decent $200 min deposit has rewards and no annual fee, unsecures after a year or so

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rdurai1 said:   My son has been using my credit card for 3 years as an additional account and now has a nice job after college. We just got rejected for SW credit card with a message "few revolving accounts open long enough to establish credit history" (his score is 810). What is a good card to apply for him please?
  You just got rejected for the SW card? or your son (by himself) did?
Also, call Chase and ask them to reconsider (regardless of who applied for it)

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Here's one for business owners. Bank of America business card. 500 spend & 200 credit. I saw that & I was like wow. Yes. TY.
Came in my email     I'm  retired, used to be work from home  & only get residual income from my business. I put that on there, so the bar isn't high on this one, IMO.
https://secure.bankofamerica.com/applynow/welcome.go 

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Your link was to an application that timed out.

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Maybe you can find it under BOA's business card deals? I tried 2 different ways to link & it wouldn't work for me for some reason. I went straight from the link that my email took me to.

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Bank of America business card. 500 spend & 200 credit
 I found it, but it in an indirect way.  See Doctor of Credit website notes and link.  There are no affiliate codes in the link

http://www.doctorofcredit.com/bank-america-increases-sign-bonus-... 

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great topic

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I read in one thread that if you are approved for a credit card with capital one, to apply for another card as it will be rolled into one hard pull?

Any truth to that?

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Megatron2016 said:   I read in one thread that if you are approved for a credit card with capital one, to apply for another card as it will be rolled into one hard pull?

Any truth to that?
How old is the thread? My magic 8 ball says they used to combine inquiries for applications if they were processed on the same day, but now they only process 1 application per six months.

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Gotcha. It was only a year old.

Our household income is 200k, do they (capital one) give decent CLIs? (Decent being 10k as an absolute minimum)

Ty in advance

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i got a 25K CL with a lower income for my capital one card.

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Anybody heard of these guys, saw them advertising a 3% CB Visa:

https://zerofinancial.com/

It sounds kind of sketchy. It says they reserve the right to change the program at anytime. So if you hit the 3% after spending 100k they could not follow through. So you would make less on that 100k than you would have using a 2% card.

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Matrim33 said:   Anybody heard of these guys, saw them advertising a 3% CB Visa:

https://zerofinancial.com/

It sounds kind of sketchy. It says they reserve the right to change the program at anytime. So if you hit the 3% after spending 100k they could not follow through. So you would make less on that 100k than you would have using a 2% card.

  
Looks as sketchy as hell, it gives all the first impressions of a doomed kickstarter project. Using a free SSL certificate from Let's Encrypt doesn't exactly inspire confidence in them as a financial institution either.

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The Doctor of Credit wrote a full review.

DoC does not go for "sketchy" and enjoys a good reputation.

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well, the big thing is that you have to load and keep money in your account, and you only hit 3% on spending OVER $50,000, so its really not as good as a straight 2% card.  You can get referral bonuses so if that works for you great but otherwise the "3%!!" is a bit of a hype...

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I do spend over $100k for my business and really would like a 3% card. But they want me to take a risk on them that their new idea will work. I'm guessing the tiered system is there to give them a chance to see if it will work with all of the upside going to them from the start. I have to tie up my funds (which they advertise being a good thing), and hope that eventually I will get a 3% card... But wait, you get a metal card!!! Sign me up!

It looks like to me that they have a new idea that is kind of clever, making money on our deposits and not having to worry about defaults. But whether it works or not time will tell.

BTW I emailed them yesterday for clarification and they haven't responded yet.

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frankly, unless you spend a lot over $100K so that the average spend gets closer to 3% back, seems like the hassle of keeping your funds tied up there, hoping they don't go under, etc....as compared to either a straight 2% card or (with some more work) a combination of cards that offers higher percents in various categories and/or rewards that might be more valuable to you (airline miles, spg points, etc) might be a better choice.

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