10-28-2012 05:51 PM
My hhi is $100k+.
GECRB has income based credit lines I think. I know my mac cl for my income for my JCP acct is $4900.
Does the denial reason say s'thing about "fixed maximum credit line"??
No, nothing to that end. Actually nothing at all as far as reasons, just remember them stating it was a policy reason. Maybe I am maxed out.
10-28-2012 05:52 PM
Applied in April, approved for 8400. Increased in August to 12k
10-29-2012 07:09 AM
I'll give them a call next week after my reports update. They usually look at TU, but they also have "old" reports they use, at least from their front line CSR's. I'll probably end up talking to underwriting I suspect. I'll ask for 12K and see what happens. Don't need that much, just working on utilization and don't want any hard pulls. Thanks to all.
10-29-2012 07:25 AM
I got the same message for a few months. I finally rang to ask what it meant and the customer service representative quickly and happily transferred me to an analyst. She said she could not explain the letter but could manually put through a request and she approved it from 2500 to 5000 in a few short minutes. Maybe automated system has some restraints on what they allow it to do.
10-29-2012 07:53 AM
10-29-2012 07:56 AM
11-07-2012 09:14 AM
I called one of the back-door numbers yesterday for Sam's. Turns out that was the fraud dept. She transferred me to another number that is not on the back-door list. It was an automated CLI recording. I asked for increase to 12K, didn't get it. Letter in the mail.
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