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Valued Contributor
tcbofade
Posts: 2,092
Registered: ‎09-26-2011
0

Another CLI for DW...

OK, now GE just hates me personally.  :smileytongue:

 

I posted earlier this month that DW got a line increase on her Paypal account. 

 

Today, she got a line increase on her Wallymart card.

 

While I'm thrilled for the CLI's of course, it's a bit frustrating as well.  (As I handle the finances and CC payments for both of us...)

 

Argh. 

 

Oh well.  A cli is a cli.  Progress.  :smileyhappy:


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Another CLI for DW...

I feel your pain.  :smileyhappy:

 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Another CLI for DW...


tcbofade wrote:

OK, now GE just hates me personally.  :smileytongue:

 

I posted earlier this month that DW got a line increase on her Paypal account. 

 

Today, she got a line increase on her Wallymart card.

 

While I'm thrilled for the CLI's of course, it's a bit frustrating as well.  (As I handle the finances and CC payments for both of us...)

 

Argh. 

 

Oh well.  A cli is a cli.  Progress.  :smileyhappy:


Sometimes it feels as if there is no ryhme or reason to lenders in how they handle approvals and CLIs.  I've been denied twice on CLI for my Discover card. :smileysad:  Heavy usage  Over 10k this year.   No balance on the card.   Still denied :smileysad:

 

Also I've gotten no CLI luv from GE on my Amazon store card.

 

I feel your pain!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: Another CLI for DW...

Call underwriting!!!  I kept getting denied CLI requests on my Amazon account that was stuck at $2500.  The denial letter said "maximum our policy allows".  I called underwriting and BAM approved $7500.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Contributor
tcbofade
Posts: 2,092
Registered: ‎09-26-2011
0

Re: Another CLI for DW...


flowfaster wrote:

Call underwriting!!!  I kept getting denied CLI requests on my Amazon account that was stuck at $2500.  The denial letter said "maximum our policy allows".  I called underwriting and BAM approved $7500.


Thank you.  Yay u.  Doesn't work for me.  Talked to underwriting two weeks ago...my credit score isn't good enough for a line increase.

 

DW is a whopping 10 points ahead of me, and apparently, the magic number lies between 640 and 650....  :smileytongue:

 


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Another CLI for DW...

If you have any recent collections, that will prevent GE from giving you CLIs :-(

 

I think when I called underwriting last night, my score was right at 640. 

 

I got Paypal MC, Lowe's, Chevron, AND WMT Discover increased haha...by a collective $9.1k, so the backdoor num def works.

 

:-) best of luck!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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