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Regular Contributor
Fresh-Start
Posts: 238
Registered: ‎10-18-2012
0

Bill Me Later - Using old CR

To those in the forum with BML:

 

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October!  Is this normal? Do they ever do a sp to check current status?  Just curious...

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Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
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Re: Bill Me Later - Using old CR

Bump for help 

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Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010
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Re: Bill Me Later - Using old CR

Took me about 6 months before they would give me a increase. I also was denied twice before getting the increase. 

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PleioneG
Posts: 114
Registered: ‎08-29-2012
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Re: Bill Me Later - Using old CR

They're with a new lender now, yes?


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Valued Contributor
FinStar
Posts: 6,582
Registered: ‎10-21-2012
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Re: Bill Me Later - Using old CR


PleioneG wrote:

They're with a new lender now, yes?


Correct.  Comenity Capital Bank.

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Anf_dude
Posts: 116
Registered: ‎09-04-2012
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Re: Bill Me Later - Using old CR


Fresh-Start wrote:

To those in the forum with BML:

 

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October!  Is this normal? Do they ever do a sp to check current status?  Just curious...


I Was Denied 2 Increases As Well, But Never Got A Letter Stating Why.? 

Regular Contributor
Fresh-Start
Posts: 238
Registered: ‎10-18-2012
0

Re: Bill Me Later - Using old CR

 


Anf_dude wrote:

Fresh-Start wrote:

To those in the forum with BML:

 

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October!  Is this normal? Do they ever do a sp to check current status?  Just curious...


I Was Denied 2 Increases As Well, But Never Got A Letter Stating Why.? 




Thanks all for responding!  

 

Glad to know I'm not the only one. So maybe the pattern is after six months I may be approved...we'll see.  But yes, I do get a letter via email shortly have the denial with the reason's and my credit score and the date of the credit report they used.  Not sure if it makes a difference, but I am signed up to get statements and other notifications via email. 

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Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
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Re: Bill Me Later - Using old CR


Fresh-Start wrote:

To those in the forum with BML:

 

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October!  Is this normal? Do they ever do a sp to check current status?  Just curious...


Hey Fresh-Start!

I believe that BML, like Amex uses the most recent SP of your CR to determine approval status.  A lot on this forum believe that the SP takes place at the time of request but this isn't alway true.  I don't know the frequency by which BML accesses your file to determine approval.  I'm thinking every 6 months or so.


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