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I got my CLI request denied becuase I have hit the max limit on my Citi Cash Returns Card.Did any one experience this before?
Currrent CL is 25k.
I do have BOA with CL 20k, PNC 17.5K, Chase 7k.
Utilization is high at 40%.Do they go by Utilization or overall profile?
I don't know the maximum limit but I see your mix of cards and my mix with large lenders couldn't be more different.
Chase 22.5K, Amex, 18K, BOA only 2K and (they wont budge on a CLI tried 10+ times) and Citi, they wont let me in at all.
I am not Citi worthy
How could the lenders be so different.
I keep trying for BOA CLI just to get my Experian FICO score. Since my report is frozen, it is now a game. i ask for more $, they say no, I get my score ever 3 months like clock work.
@Scuba wrote:I don't know the maximum limit but I see your mix of cards and my mix with large lenders couldn't be more different.
Chase 22.5K, Amex, 18K, BOA only 2K and (they wont budge on a CLI tried 10+ times) and Citi, they wont let me in at all.
I am not Citi worthy
How could the lenders be so different.
I keep trying for BOA CLI just to get my Experian FICO score. Since my report is frozen, it is now a game. i ask for more $, they say no, I get my score ever 3 months like clock work.
Doesn't that result in a HP everytime you get denied?
No, if anything it could be a SP. I use Transunion as my primary daily CR pull and they don't show SP and once a month I pull EQ and BOA is never a hard or soft.
Since I have all 3 CR frozen, it can't be a Hard Pull unless I unfreeze the file.
I know for a fact they don't deny me because the report is frozen only because of past late payments on my report. But you think after 5 years they would let up a little.
I hope that 40% util is on 0% apr. otherwise that's gotta be hurting your wallet.