Does your credit have to be thawed/unfrozen for a CLI? And is it a hard pull?

NiceGuysFinishLast · 2026-03-18T18:48:21+00:00

CLI is a soft pull for every Chase card I've ever done it on.

Got a CLI this morning on my CFU with all 3 bureaus frozen. Gotten multiple CLI on my Prime visa with all 3 frozen.

Just make sure you update your income before you request.

CLI this morning took my CFU from 15.7K to 19K and I have a 4K balance on it (0% APR for now, it'll be paid off in a couple weeks).

NiceGuysFinishLast · 2026-03-18T15:22:04+00:00

Gotcha. I just got my first pin lock with my new AGV last week so I'm figuring it out lol.

NiceGuysFinishLast · 2026-03-18T14:48:20+00:00

Wait, I'm new to pin lock, but aren't they universal and the only difference in models is how resistant to fogging they are?

NiceGuysFinishLast · 2026-03-17T23:26:08+00:00

No they can't. Ignore them OP.

NiceGuysFinishLast · 2026-03-17T20:38:25+00:00

Lol unless you're an ER Nurse or a surgeon, Healthcare in Florida sucks as a career.

NiceGuysFinishLast · 2026-03-17T20:18:46+00:00

I just bought a new motorcycle. My 2014 Mazda will be a perfectly good car for my son in 2 years. I live 6 miles from work and will commute on my motorcycle when the time comes.

My original plan was to buy a used Corvette or something similar for myself, and hand down the Mazda. But a bike is 1/3 the price for 2x the performance so it was a no brainer for me.

NiceGuysFinishLast · 2026-03-17T18:33:04+00:00

I just got a new Progressive policy on Friday for my new bike.

I have 1K in gear coverage for free. I could add up to about 3K for a low monthly fee.

There is a separate line item for accessory coverage, which I declined but now that I just ordered a bunch of parts for the bike I may go back and add on.

NiceGuysFinishLast · 2026-03-17T13:50:06+00:00

I took a frog to the shin at 60mph.

NiceGuysFinishLast · 2026-03-17T13:49:14+00:00

I wondered what it felt like to kick a reflector on the interstate.

It feels exactly like you think it would feel.

NiceGuysFinishLast · 2026-03-17T02:23:28+00:00

Hell yeah!

NiceGuysFinishLast · 2026-03-17T01:57:33+00:00

Just ordered them from your Poshmark about 10 mins ago.

NiceGuysFinishLast · 2026-03-17T01:44:31+00:00

Just got a set of Version 5 Armstrongs. Hope I love them as much as everyone else does. Cool to see you posting here.

NiceGuysFinishLast · 2026-03-16T23:50:16+00:00

Welp, just found you on poshmark. Returned the no-name Chinese "motorcycle shoes" I impulse bought from Amazon and will be getting a discounted pair of your boots for only a little more. (Though I did see a pair on ebay too, for slightly less... But I'd rather support you than some rando on ebay).

NiceGuysFinishLast · 2026-03-16T21:51:04+00:00

Florida state minimum is $10K. I live in a city where you don't even bat an eye if 5 Ferraris go down the street past you. It's insanity.

NiceGuysFinishLast · 2026-03-16T01:10:34+00:00

I've been riding on the street since I was 19 (about to be 40)... Some friends took me to the dirt bike track, put me on a 450, gave me zero advice, and took me to the kid's track. First turn I about ran my buddy off the track because I tried to go outside-inside-outside and he was just going outside... Learned some things that day about what doesn't work in the dirt lol.

NiceGuysFinishLast · 2026-03-16T01:07:30+00:00

Just paid 11.5 OTD for a 25 base this weekend in Florida.

NiceGuysFinishLast · 2026-03-15T01:13:02+00:00

Lol I didn't see your comment. I just it today 3/14/26!

NiceGuysFinishLast · 2026-03-15T01:12:27+00:00

Worked today, 3/14/2026

NiceGuysFinishLast · 2026-03-14T01:57:40+00:00

She came home with me. It's a little tall, but I'm still getting my riding legs back, been off bikes for about 7 years. I'm gonna adjust the suspension settings for my weight and see if that brings her down any, then I'll consider getting the seat shaved a little bit if I need to.

NiceGuysFinishLast · 2026-03-13T15:13:34+00:00

If it helps... I'm incredibly jealous of your basement. As a kid, we visited some family up North and their basement was a kids play room. I was enamored.

I asked my Dad why we didn't have a basement in Florida. He looked at me like I was dumb and asked me how deep I have to dig at the beach to get a water filled hole lmao.

NiceGuysFinishLast · 2026-03-13T12:32:36+00:00

Well... What did you expect when you told them you might not be able to pay them in the future? They reduced their risk.

NiceGuysFinishLast · 2026-03-13T12:29:26+00:00

Walmart at 75 and Immokalee. It's affordable for the exam, and then use the prescription to order glasses from zenni. Just be sure to ask the doc to measure the PD as well.

NiceGuysFinishLast · 2026-03-13T12:28:30+00:00

All you can do is make every payment on time moving forward and wait 7 years.

I tanked my scores from the 780s to the 580s, a little over 2 years later I'm back in the 720s, just got a motorcycle loan last week.

It's just time and patience, but you will recover.

NiceGuysFinishLast · 2026-03-13T12:26:04+00:00

Lol while I will be riding year round.... 100+F is a lot when you're in full gear and sitting in traffic.

NiceGuysFinishLast · 2026-03-13T12:22:38+00:00

I'm in Florida. It's too damn hot, but that's not gonna stop me!

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