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Frequent Contributor
minimock
Posts: 433
Registered: ‎10-23-2010

BCE LUV Question

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‎11-01-2012 03:44 AM

Well, I was flat turned down at 61 days..... So I waited 6 months plus a few days...

 

Got this

 

Request a Line of Credit Increase
 

Your request for a line of credit increase has been submitted. 
You will receive a written response within 7-10 days.

 

 

Anyone ever got this and got the LUV?

 

I only tried 2X this time :smileyvery-happy:


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


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Frequent Contributor
minimock
Posts: 433
Registered: ‎10-23-2010

Re: BCE LUV Question

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‎11-01-2012 09:41 AM

Anyone??


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


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Contributor
tylaw13
Posts: 157
Registered: ‎06-28-2012

Re: BCE LUV Question

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‎11-01-2012 09:47 AM

what was the reason for the denial at the 61 day mark?

EQ FICO - 699 (9/27/12) TU FICO - 709 (9/27/12) EX FICO (9/30/12) 725 AMEX
Im my wallet - Cap1 Cash Rewards(500) Cap1 Platinum MC(2000) Chase Freedom(1000) AMEX BCE (2000)
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Regular Contributor
DeadSpider
Posts: 193
Registered: ‎07-29-2012

Re: BCE LUV Question

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‎11-01-2012 09:52 AM

Read the reason why your denied and post it. Log in and you'll be able to read the 7-10 day letter.

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500
Starting Score: 0
Current Score: 742
Goal Score: 800

Take the FICO Fitness Challenge
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Frequent Contributor
minimock
Posts: 433
Registered: ‎10-23-2010

Re: BCE LUV Question

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‎11-01-2012 10:08 AM

tylaw13 wrote:

what was the reason for the denial at the 61 day mark?

Util was at 31%

 

It is 10% now.


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


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Frequent Contributor
minimock
Posts: 433
Registered: ‎10-23-2010

Re: BCE LUV Question

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‎11-01-2012 10:09 AM

DeadSpider wrote:

Read the reason why your denied and post it. Log in and you'll be able to read the 7-10 day letter.

Where do you find this?

 

I looked all over the web site.

 

Thanks


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: BCE LUV Question

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‎11-01-2012 10:17 AM

NEVER... EVER apply for CLI with 30%+ utility you'll be turned down 100% of the time. If you can not get it down to under 5% with Amex I don't think it's even worth trying. Haven't ever seen success. 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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Frequent Contributor
minimock
Posts: 433
Registered: ‎10-23-2010

Re: BCE LUV Question

[ Edited ]
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‎11-01-2012 10:49 AM - edited ‎11-01-2012 10:50 AM

distantarray wrote:

NEVER... EVER apply for CLI with 30%+ utility you'll be turned down 100% of the time. If you can not get it down to under 5% with Amex I don't think it's even worth trying. Haven't ever seen success. 

I am at 10% now....

 

I guess the question that comes to mind is why wouldnt they just deny it like before instead of the 7-10 day deal.


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


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Regular Contributor
DeadSpider
Posts: 193
Registered: ‎07-29-2012

Re: BCE LUV Question

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‎11-01-2012 12:24 PM

Did you get email after CLI you should have a link that takes you AMEX and put in your social I think and see the letter.

That's how I got my letter a month a go 7-10 days....

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500
Starting Score: 0
Current Score: 742
Goal Score: 800

Take the FICO Fitness Challenge
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Valued Contributor
youngandcreditwrthy
Posts: 3,765
Registered: ‎08-16-2012

Re: BCE LUV Question

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‎11-01-2012 12:30 PM

Hmm well I got approved for the card with like 12% util.
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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