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BCE LUV Question

Frequent Contributor

Re: BCE LUV Question


youngandcreditwrthy wrote:
Hmm well I got approved for the card with like 12% util.

Yea, when I got the card I was at 17% and Barclay's just gave me a CLI at 10% so I figured it was worth a shot Smiley Happy

 

No link or email from them yet, Ill post back when I get it.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Contributor

Re: BCE LUV Question


minimock wrote:

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 Smiley Very Happy


usually when you get that message from AMEX on a CLI that means declined.  When I select CLI for my BCE card I get the CLI right away not a 7-10 day message.  However I did recieve that 7-10 day message when I applied the second time and when I did read the message I just slapped myself. I applied the second time 2 months after I was approved the first time and of course that was a no you have to wait 6 months between approvals.

my starting credit limit with BCE was 5.5k and currently it is at 15k

 

It also matters how much your applying to get so say your CL is 5k you can't just go ask for 15k try to aim a bit lower on your first CLI try say 7k  or 8k

 

Also I have found that AMEX does a random soft enquiry about every other month. and this is through Experian for me.  Check your Experian credit report and see whats on it as well.   If your UTL has dropped in the past 2 months make sure that you give it a couple of months for AMEX to catch up. I have also found when you press the CLI button it does not do a soft enquiry but goes off of what is in their system at the time of their last random pull.

 

Good Luck I hope what I have gone through helps you some.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Frequent Contributor

Re: BCE LUV Question

Thanks, I appreciate your input Smiley Happy

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor

Re: BCE LUV Question


minimock wrote:

youngandcreditwrthy wrote:
Hmm well I got approved for the card with like 12% util.

Yea, when I got the card I was at 17% and Barclay's just gave me a CLI at 10% so I figured it was worth a shot Smiley Happy

 

No link or email from them yet, Ill post back when I get it.


If you don't mind me asking is this your total util or just for the card itself? I have done alot of CLI and was never very lucky with them.


Starting Score: EQ: 600, EX: 580, TU: 599
Current Score: EQ: 710 on 01/22/12, TU: 763 on 02/02/12, EX: 753 on 1/28/13
Goal Score: EQ: 775, TU: 775, EX: 775


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Frequent Contributor

Re: BCE LUV Question


GBPac12 wrote:

minimock wrote:

youngandcreditwrthy wrote:
Hmm well I got approved for the card with like 12% util.

Yea, when I got the card I was at 17% and Barclay's just gave me a CLI at 10% so I figured it was worth a shot Smiley Happy

 

No link or email from them yet, Ill post back when I get it.


If you don't mind me asking is this your total util or just for the card itself? I have done alot of CLI and was never very lucky with them.


10% total, 8% on BCE

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Contributor

Re: BCE LUV Question


minimock wrote:

Thanks, I appreciate your input Smiley Happy


Your very welcome, I hope it helps you.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Valued Contributor

Re: BCE LUV Question

Maybe your utilization was higher on their last SP.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor

Re: BCE LUV Question

Banks didnt used to base clis off of sps they did a month before... They used to just soft you whenever you requested the cli... This new practice is pissing me off!!!! Bc if you are like us, you try to improve your score the most right before you submit such a request!!! Stupid Barclay's, GECRB, and Amex (the ones I KNOW do this). They prob have some new contracts with the CRAs or something bc Im fairly certain they have to pay each time they pull a sp on our CRs.Grrrr

Weird... Barclay's denied me TWICE for a cli, and my util has gone wayyyyy down!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor

Re: BCE LUV Question


minimock wrote:

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.


I was denied a CLI with 5% total util. Reason was obvious though. Too many recent inquiries and new accounts. I had it coming so I was expecting it.




Frequent Contributor

Re: BCE LUV Question

Well no CLI and no email, guess just wait on the snail mail DENIED......

 

I love rejection LOL Smiley Very Happy

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)