Bill Me Later - Using old CR

[Fresh-Start]

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...

[myjourney]

Bump for help 

[Mike360]

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

[PleioneG]

They're with a new lender now, yes?

[FinStar]

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@PleioneG wrote:

They're with a new lender now, yes?

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Correct.  Comenity Capital Bank.

[Anf_dude]

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@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...

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

[Fresh-Start]

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@Anf_dude wrote:

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@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...

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

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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. 

[improvingmycredit]

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@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...

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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.