I requested a CLI not that long ago and was given the dreaded, "Your request is under review, we will send you a letter through mail with our response." I just received the letter and was denied the increase. They stated in the letter that the reason why I was denied was because of my debt utilization and that the number of inquiries I had was too high. They also pulled my Experian, which is the lowest of my scores. My credit report was recently updated, a few of my inquires have dropped; my debt utilization has also decreased. Is it a good idea to call the backdoor number and ask for a recon, since a few things have changed in my report?
It couldn't hurt to try Would it be another HP though? Maybe you could call and tell them and they wouldn't have to repull, I have no idea, just a thought!
I was also denied a cli with BBRZMC in which was a hard pull on my eq which I definitely then called the backdoor number of hsbc from the sticky thread this forum offers, after speaking with the rep she asked what I was looking for I said $1,500 I only was granted $500.00, also they used the same report that was pulled for the 1st request which was good. But I would call if I was you do not let that hard pull go to waste if you can help it. Good Luck
Try 1-800-305-0533 they are very freindly they even asked me how my day was.....its for HSBC retail services direct to a credit analyst