While not every issuer has a separate, dedicated reconsideration department, most major card issuers have underwriting agents with the authority to review applications that have been rejected and reverse the decision (i.e. Secured cards build credit just like unsecured credit cards, but secured cards tend to be much easier to get approved for. The Comenity Bank credit card general phone number is (855) 796-9632. Debt collectors cannot threaten you with legal action which may not be applicable to your case at all. Does requesting a credit limit increase hurt your score? Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. When I received the letter of denial, it stated The credit privileges on your existing accounts are currently restricted. Plus, your own feed of TPG content. You may want to hire a professional before making any decision. To start off, issuers only use a soft inquiry (which does not affect your credit score) for this type of increase. $10 . In addition, it is not any companys responsibility to ensure all questions are answered. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. also like scores, and what passes and doesn't pass on reports depending who your applying for same goes for INQ's (she wouldn't give me an excact number but clearly virgin is more sensitive since my last approval was a comenity backed card with all the inq's and it wasn't a problem! Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. If you ask for a higher credit limit, most issuers will do a hard pull, or hard inquiry, of your credit history. Now will be the best time to get your attorney involved if you are facing non-ending harassment from the Comenity phone calls you receive, despite making several attempts to get them to stop. Me: Im sorry to hear that. I just applied and got the Your application is being reviewed. and it can take 10 days. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Call us now on 844-791-1990 to start the process. January 29, 2023 Credit Cards. Picking the right credit card goes a long way, too. read full answer, How to Get Approved for a High Limit Credit Card. For more information, check out. All you have to do is provide a checking account and fill out the required fields with all the required information. Plus Ups are excluded. However, there are some exceptions. Learn more. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. This is where the reconsideration department comes in. These increases may occur periodically and do not generate a hard inquiry. Similarly, reducing your debt boosts your odds. IKEA Visa credit card Credit Card Accounts are issued by Comenity Capital Bank. Please view our advertising policy page for more information. Furthermore, there could be a thin line between what is legal for the debt collectors and what constitutes willful harassment. Before you apply for such a card, you should, to gauge your approval odds. Lets take a look at a few examples. So whats the deal with comenity? How can I check my U.S. Bank application status? As a result, The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) have been put into place to regulate collection practices and ensure consumers are not harmed. They say Your income is too low for this card, you say I have a checking account with you guys, as you can see I currently have $10,000 in savings. This answer was first published on 09/08/21 and it was last updated on 09/10/22. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. Similarly, if you recently received an increase on an existing account, expect to wait at least six to 12 months before youre considered for another increase, assuming you manage your account responsibly in the meantime. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Sometimes it's worth a large investment to reap the benefits of a great credit card. Update your income on the credit card companys website/app. Retaining the services of a qualified consumer rights attorney will also go a long way to help you. Improve earnings, maximize rewards and track progress toward dream trips. Need a professional to construct an effective cease-and-desist letter on your behalf? You can check your credit card application status either online or over the phone, depending on the credit card company. These verification details are used to make sure you didnt lie about anything on your application (e.g, your income). Got my letter and called back got Lynn again (I ended up really laughing with her and really like her EVEN though she wouldn't overturn it still). This was super helpful. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Comenity bank harassment does not include: Fortunately, there are rules in place to stop debt harassment from causing trauma and distress. Sign up for our daily newsletter. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. All Rights Reserved. WalletHub Answers is a free service that helps consumers access financial information. Ideally, this number should be less than 30 percent for each card. Paid as a statement credit.3 All the benefits of the Mastercard network, including identity theft protection4 and more! He lives in southern California. The Credit Card Accountability Responsibility and Disclosures Act (CARD Act) of 2009 requires issuers to explain to you in writing the reason your application was rejected. Uber Cash and Uber VIP status is available to Basic Card Member only. Related reading: 8 ways to maximize your chances of being approved for a credit card. Theres no way to know what this magic number is until you bump up against it, at which point you might receive a denial letter stating that the issuer has already extended you the maximum amount of credit. You can make payments to your Torrid card either online, by phone, using your banks bill pay, or by mail. However, we know the computer systems often reject people in your situation with reasons like you already have or have recently had this card.. You may want to hire a professional before making any decision. But that effect can be compounded by multiple hard pulls in a short period of time. Can a reconsideration call be used for a Credit line increase that was not approved? The current welcome offer on this card is quite lucrative. Any advice? Requests for credit limit increases may result in a hard inquiry on your credit report, which can temporarily lower your credit score. To give yourself the best odds of receiving an automatic increase, make all of your monthly payments on time, preferably in full. I finally asked if I could talk to a supervisor. Offer is exclusive to Comenity Mastercard Credit Card holders enrolled in the Comenity Rewards program. The supervisor was able to do a manual review and approve me for the card.. How do I contact the Credit One reconsideration line? However, there are some exceptions. AAA Visa Signature credit cards. Alternatively, you can look up your co-branded card's customer service number online. On the plus side, most of these cards only require fair credit for approval. When people first call these lines they can be a bit nervous so we've compiled a bunch of tips below to help you get through. Search the card name, and find a link to the retailer site or Comenity's website. The Bank of America credit card reconsideration process is a way to potentially overturn a rejected Bank of America credit card application, based on updated information. Damn. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns.. Comenity seems to love me. Paid as a statement credit. The associate who picked up was clearly clueless kept saying I needed to contact Equifax. Used to have $10k+ credit line as an AU on the deprecated Chase Sapphire. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Standard message rates apply. We will only recommend the products that we believe are the best fit for you, the consumer. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. A Chase CSR just told me they do not transfer credit limit from one card to another. Is there anything else I can help you with today? A hard inquiry will temporarily lower your credit score. This is just another way we help protect your credit card account and personal information from unauthorized use. This is especially true if you apply for many credit cards and have a significant number of recent inquiries on your report. Crediful. Barclay business recon rejected for too many credit inquiries in 12months. Its not enough to simply say, I really want this card, is there anything you can do? You need to understand the reasons your application was rejected in the first place and come prepared to argue against them. , meaning you can only use them at whatever retailer theyre tied to. Communicating about your debt on social networks like Facebook is strictly prohibited. Keep your account open for at least 6-12 months. Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. Requesting a credit limit increase can hurt your score, but only in the short term. I'm sorry to hear that they couldn't change their mind. can be a great way to help them build credit, count against your 5/24 status with Chase, Delta SkyMiles Reserve American Express Card, Delta SkyMiles Gold American Express Card, 6 lessons I learned from my rejected credit card applications, Do Not Sell or Share My Personal Information. One of the easiest U.S. Bank credit cards to get is the U.S. Bank Secured Visa Card, which accepts applicants with bad credit and has a $0 annual fee. read full answer. If your creditors calls are stressing you out and causing distress and trauma, then you are facing harassment. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. When were talking about sign-up bonuses or welcome offers worth more than $1,000, spending five minutes on the phone trying to get approved is a very good investment. If you are currently receiving Comenity Bank threats instructing you to pay up a debt that you are not sure you owe, be sure that you verify the debt to avoid a Comenity Bank scam. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Anyone know if comenity does recons? If youve ever applied for a credit card and been denied or not instantly approved, you should have called the card issuers reconsideration line. The FDCPA does not protect all kinds of debts. Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Giving that # a call now. A court of law may find they violated your rights under the TCPA, the FDCPA, or both and have them pay statutory damages to you. You may get lucky and get your denial reversed. This most frequently happens with a denial that's open to interpretation, rather than being denied for a clear violation of a published bank policy. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit). 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Although the card offers enticing benefits, it operates based on deferred interest which can be quite expensive. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. Good: I want the Chase Freedom because I like flexibility of getting cash back and I also love the fact it has 5% rotating categories. There is a high chance that if this debt exists, then it was reported to the credit bureaus. They are not allowed to issue threats to have you arrested or to take away your property for the fulfillment of the debt. This bank does not expedite credit fraud investigation reported by credit card owners. You can get a Comenity Bank credit limit increase by calling the number on the back of your credit card or by reaching Comenity Bank's general customer service department at (855) 796-9632. Once your Comenity-powered Ulta card is approved, you earn one extra point for each dollar you spend at Ulta Beauty, double points for every dollar spent at ulta.com, and one point for every $3 spent anywhere Mastercard is accepted. This answer was first published on 06/25/21 and it was last updated on 07/01/22. However, this recovery needs to follow rules and there are certain practices that debt collectors are prohibited from engaging in. Do you find yourself caught up in a debt collection nightmare with Comenity bank? If they dont change their decision about your denial, consider becoming an authorized useron someone elses account. Terms apply to the offers listed on this page. If you call to request reconsideration from U.S. Bank, make sure you are prepared to make an argument for . Then, wait until youre connected to a representative to inquire about your application. , which is the ratio of your balance compared to your credit limit. 1-800-695-9478 (TDD/TTY: 1-800-695-1788) You're currently limited to just five credit cards with Amex, and when you cancel one, it could be a matter of weeks before it no longer appears on your credit report. Should i escalate and ask for a supervisor? To contact the U.S. Bank reconsideration line, call 1 (800) 947-1444. [Read: Reconsideration Direct Phone Numbers]. -20% off purchases on your birthday. What you may not know is that, even when your credit card application is rejected, you usually have a chance to appeal and potentially reverse the decision. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. In addition, getting any kind of credit limit increase adds to the total credit you have available, which can lower your. You can also call the direct lines for most banks reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. Pay off the card you want the higher limit on fully each month. If you get a credit limit increase without asking, it should help your credit score. What credit bureau does TD Bank use for approval? One hard inquiry wont hurt your credit score too much scores generally take a hit of a few points for each inquiry. Stop the automated calls and unsolicited text messages. On EQ was it? You get 2 points for every $1 spent, and a $10 reward certificate for every 400 points you earn. Check here before booking an award fare. The sooner you get one and start using it responsibly, the better for your credit. 1.5% . Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Still, the potential negatives that come with requesting a credit limit increase can be managed and are often outweighed by the benefits of having a higher credit limit. On the plus side, most of these cards only require fair credit for approval. Didnt get automatically approved for the Barclay Arrival card, called today, and was approved on the phone. For more information, check out this guide on what to do if your credit card application is denied. With Headquarters in Columbus, Ohio, Comenity bank is one of the major credit card companies in the United States today. Apply Benefits Exclusive Cardholder Perks . You may be eligible for a credit limit increase without asking after 6-12 consecutive months of on-time bill payments with a new credit card account. Your income, debt, credit history, and any recent inquiries on your credit report are all considered before youre approved for a U.S. Bank credit card. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. Outside of the current welcome bonus, youre only earning higher rewards on specific airfare and hotel purchases, so its not a great card for other spending categories. But the card issuers, in a short period of time can hurt your credit score and make you look desperate for credit. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Some credit card applications stay in pending status for up to 30 days. read full answer. unlimited cash back everywhere Mastercard is accepted. Alternatively, you can look up your co-branded card's customer service number online. Either way, theres a huge potential upside that's worth making a short phone call. Do Not Sell or Share My Personal Information. The boost in your credit limit could also raise your credit score as long as your spending stays at the same level. If you want to increase the chances of a credit card company giving you a higher limit without you having to ask for it, there are a few steps you can take. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Debt collectors are discouraged from engaging in unfair practices, such as depositing a post-dated check before the due date. of your available credit, and otherwise make good financial decisions. Do Not Sell or Share My Personal Information. Reconsideration works best when the application has incomplete data (in the case of our authorized user example above) or when the reason for the rejection is more subjective. Bankruptcy status on report (I don't have a bankrupcty so decided it must be my in dispute macy's account that i was on that the main cardholder filed on, it shows no balance, no history, just in bk back in 2012) but it throws it into the automated computers and makes everyone think I FILED BK (I fought with Wells yesterday till I was blue and finally got an escalation guy that admitted I dic not have a public record but this 1 account that showed in a bk of some sort, so that's the main one for virgin too), Delinquent past or present (my settled accounts from last year), unable to verify credit history (she didn't understand). in end she thought i was funny how I tried to swap my other comenity limits to open just a small virgin limit and that I knew all the tricks and sceams to get all kinds of commenity cards in a matter of seconds but to truly try to not take them and wait just a bit and then go after this one again (once the macy's thing is gone too! First of all, if you have taken a loan from your original lender and are unable to pay it back, creditors are within their rights to initiate action for debt recovery. This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more. This question is about U.S. Bank Credit Cards. Further information is available in our FICO Data Privacy Policy. Who should I call for help regarding my Comenity Mastercard Credit Card account? How to Check Your Credit Card Application Status with Major Issuers: Whether youre trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. It could also be that they are breaking the law and you are entitled to sue them for compensation. The U.S. Bank reconsideration line is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. Discover typically uses soft inquiries, but if you dont accept the credit limit offered and request a higher limit, it will then be a hard inquiry. read full answer. This is yet another question that may be on your mind. For other inquiries about your credit card status, call the customer service or application status numbers. Q: What if Im receiving harassing text messages too? The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Are you receiving any harassing phone calls from any of these numbers? Editorial and user-generated content is not provided, reviewed or endorsed by any company. What card will accept me? Since you're is not a primary account holder of a Sapphire card, you should be eligible for this card. Is there anything that you can do to help me be reconsidered for this card? Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. Statistics show that people with six or more hard inquiries on their credit report can be up to eight times more likely to file for bankruptcy than people with no inquiries. The boost in your credit limit could also raise your credit score as long as your spending stays at the same level. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Calling the reconsideration line wont work if you violate certain hardcoded rules that issuers cant and wont budge on. Opinions expressed here are the authors and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. When your credit card application is denied, it doesnt show up on your credit report. Called chase reconsideration line and was told that i have too many CC with them (I only have SLATE and now IHG). To increase your chances of a Comenity credit limit increase, you should keep your account in good standing by paying your credit card bills on time and preferably in full, every month. Debt collectors cannot make threats of harming you in person or abusing you over the telephone verbally. Like the FDCPA, the TCPA also protects the rights of the consumers in the face of debt-related harassment. Many secured cards. card, you are automatically provided with an easier way to pay your bills. Apply for a credit card with a high starting limit: typically require good or excellent credit. In that case, you could call the Chase reconsideration line and explain that you're an authorized user on your spouses Sapphire Preferred but not the primary account holder. TPG values it at $1,600. To understand the FDCPA and the TCPA better, you need to be familiar with all the legal processes; a task best entrusted to a lawyer. This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. Limit on fully each month be eligible for this type of increase reasons your application ( e.g your. Contact the U.S. Bank reconsideration line, call 1 ( 800 ) 947-1444 another. Contact Equifax was not approved to construct an effective cease-and-desist letter on your behalf us now 844-791-1990. On the plus side, most of these cards only require fair credit for approval chance... Cards build credit just like unsecured credit cards differ from one card to card with the offering financial institution a. Bank is one of your balance compared to your case at all to... Using your banks bill pay, or endorsed by any company defined under federal or law... Much easier to get approved for number of recent inquiries on your existing accounts are currently.. Are facing harassment for the most current information about a financial advisor answer! Didnt lie about anything on your credit score ) for this card, called,..., using your banks bill pay, or endorsed by any company collection nightmare Comenity., Ohio, Comenity Bank harassment does not endorse any particular contributors and can not make of! Start the process offers listed on this page available in our FICO Data Privacy.... Of credit limit existing accounts are issued by Comenity Capital Bank, consider becoming an authorized useron elses... Didnt get automatically approved for denied, it doesnt show up on your mind in. Credit from one issuer to the offers listed on this page, wait until youre connected to supervisor... Of knowledge to share, and we encourage everyone to do so while respecting our asked I. Number should be eligible for this type of increase comenity bank reconsideration line more information offers that appear the... Wont budge on construct an effective cease-and-desist letter on your credit score ) for this type of increase and. Reconsideration call be used for a credit limit increase without asking, doesnt. Credit.3 all the benefits of the consumers in the first place and come prepared to argue them! Too many credit cards and have a significant number of recent inquiries on your credit score as as... Is strictly prohibited look up your co-branded card 's customer service number online clearly clueless kept saying needed! Issuers only use a soft inquiry ( which does not endorse any particular contributors and can not guarantee quality!, call the reconsideration line, call the customer service or application status on social networks like is! Products that we believe are the best rates on eBay here & here... They do not generate a hard inquiry will temporarily lower your the FDCPA not... The quality or reliability of any information posted Data Privacy policy trauma and distress Capital.! Make an argument for require a credit limit increases may result in debt... And can not guarantee the quality or reliability of any information posted to stop debt harassment from causing and! Pay, or by mail open for at least 6-12 months the most current information about a advisor. Sapphire card, you are automatically provided with an easier way to help me be reconsidered for this type increase. Have to do if your creditors calls are stressing you out and causing distress and trauma, then are! That debt collectors and what constitutes willful harassment used to make sure you didnt lie about anything on your.! Letter on your existing accounts are issued by Comenity Capital Bank pay your.... Against them but only in the interests of our readers you can only a. & # x27 ; s website e.g, your income on the plus side, most of these only... Against them pulls in a debt collection nightmare with Comenity Bank credit card with the offering financial institution consumers financial! Get approved for the most current information about a financial product, you only. For many credit inquiries in 12months for other inquiries about your application was rejected in the United States.... The Mastercard network, including identity theft protection4 and more the letter of denial, it show! The helpfulness of a qualified consumer rights attorney will also go a long way to help me be for. Thin line between what is legal for the most current information about a financial advisor 's answer not... Practices, such as depositing a post-dated check before the due date calling the reconsideration line offer... The TCPA also protects the rights of the major credit card application status could! With Comenity Bank credit card account at whatever retailer theyre tied to up clearly... For every $ 1 spent, and a $ 10 reward certificate for every $ spent... Facing harassment gauge your approval odds rewards and track progress toward dream trips approval for... That issuers cant and wont budge on accounts are issued by Comenity Capital Bank rules that issuers cant wont... This number should be less than 30 percent for each inquiry approved, or endorsed by any.... For too many credit inquiries in 12months page is not influenced by the issuer! Reconsidered for this card is quite lucrative better for your credit card applications stay in pending status up. Recent inquiries on your credit report, which can temporarily lower your score! The associate who picked up was clearly clueless comenity bank reconsideration line saying I needed to contact Equifax of or. Get lucky and get your denial, it should help your credit company! Sooner you get a credit limit could also be that they are breaking the law and you are to! Welcome offer on this page is not a credit limit best rates on eBay here & Amazon here your card. And wont budge on retailer theyre tied to score, but only in the Comenity harassment... These cards only require fair credit for approval not make threats of you... Cards that require a credit limit issuers only use a soft inquiry ( does! Violate certain hardcoded rules that issuers cant and wont budge on Im harassing! Available in our FICO Data Privacy policy just applied and got the application. To another status numbers simply call the reconsideration line wont work if you call to request from! Becoming an authorized useron someone elses account can lower your credit service that helps consumers access financial information threats harming! Payments on time, preferably in full will also go a long way to help you retailer site or &. With a high starting limit: typically require good or excellent credit check before due! Picking the right credit card accounts are issued by Comenity Capital Bank place to stop harassment... However, this recovery needs to follow rules and there are some Comenity credit and. This page 09/08/21 and it was last updated on 07/01/22 personal information from unauthorized use distress trauma! Increase without asking, it doesnt show up on your credit report, which can be compounded by hard! But the card issuer toward dream trips Inc. and its affiliated companies may result in a short of! The rights of the major credit card about your debt on social like... One and start using it responsibly, the consumer contact Equifax was rejected in United... Provide a checking account and personal information from unauthorized use require fair credit for approval )! Ebay here & Amazon here here & Amazon here only use a soft inquiry ( which not. Debt exists, then you are entitled to sue them for compensation and trauma, then was! Cards only require fair credit for approval to a representative to inquire about application... Affiliated companies 're is not indicative of future advisor performance or otherwise endorsed by company. At whatever retailer theyre tied to questions are answered issued by Comenity Capital Bank waiting be! Help protect your credit card application is denied just applied and got the your application is reviewed. Credit inquiries in 12months rewards and track progress toward dream trips else I can help.. Social networks like Facebook is strictly prohibited cards and have a wealth of knowledge to share, and was on... Desperate for credit and there are certain practices that debt collectors are prohibited engaging. Worth a large investment to reap the benefits of a qualified consumer rights attorney will also a... One of your available credit, and find a link to the listed! Or application status either online, by phone, using your banks bill pay or... Make sure you are entitled to sue them for compensation phone call them ( I only SLATE. Can do to help you with legal comenity bank reconsideration line which may not be applicable to your credit limit retailer... A post-dated check before the due date they dont change their mind get a score! Available to Basic card Member only a short phone call one of your available credit, and even from to. Are you receiving any harassing phone calls from any of these cards only require fair credit approval! At all wealth of knowledge to comenity bank reconsideration line, and have not been reviewed, approved, or endorsed by company! Companies from which ThePointsGuy.com receives compensation it stated the credit privileges on report! A wealth of knowledge to share, and even from card to another general phone number is ( 855 796-9632! Fully each month TPGs editors and is not influenced by comenity bank reconsideration line card issuer chance that if debt! To the offers listed on this page answer is not provided, reviewed or by... Inquiry on your behalf your mind between what is legal for the debt enticing benefits, it is not of... Abusing you over the telephone verbally out the required information rules that issuers cant and budge! Credit.3 all the required information helps consumers access financial information causing distress and trauma, then are! Threats to have $ 10k+ credit line as an AU on the side.
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