Hi everyone! This card started as secured 6 months ago. Initial deposit was 3K. I requested early graduation at 5 months, and also given CLI from 3K>6K. No hard pull for early graduation, or initial CLI. Last night, I requested a CLI online for 10K. Got 7-10 day message. Called BD number this morning, and was told the request was a decline due to serious delinquency. They were referring to my 2012 BK. The reason I was declined for unsecured initially, and offered the secured card. Lol. The CA asked if I'd like a reconsideration. She said she would call back in a few days with a decison, as it needed to be reviewed by upper mgmt. I called right back and tried my luck again, and told the same thing. I called back yet again later in the day, was put on hold, then told my new CL has been approved for 10K! I may have been lucky, but it doesn't hurt to call a few times. YMMV!
Forgot to mention! I was able to get the AF permanently removed, and upgraded to Visa Sig at graduation. APR was lowered to 17.99% a few weeks ago.
|EQ 698|TU 674|EX 665| BK discharged 11/2012
[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]
