Reply
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,172
Registered: ‎10-02-2012

CLI DECLINED ON AE ACCT

[ Edited ]

Sister requested CLI on ON card and was granted $500, so feeling lucky she went ahead and did the same with her AE card via automated system and was declined. Since it was declined does she have to wait ANOTHER 6 MONTHS TO REQUEST CLI OR CAN SHE DO IT ONCE NEW STATEMENT ON JANUARY 18TH. Last automatic cli was in July 2012 for both ON and AE. 


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012

Re: CLI DECLINED ON AE ACCT

I was recently declined and I work there.. And I have a zero balance and a large credit line. I'd just wait my assumption Is they're not accepting CLIs at all now.. Try again in the spring time... Tell her to just have a good pay history and pay in full when she can ... As someone who had to market these cards we learned this from GE theirselves
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,172
Registered: ‎10-02-2012

Re: CLI DECLINED ON AE ACCT

@colindidit are you the one that has a HIGH CL on AE and that is still a store card? When it should be a VISA by now? Because mostly all the AE Visa upgrades Ive read say that by the time they reach $2,000 they have been offered the vISA Upgrade. You should call :smileyhappy:


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012

Re: CLI DECLINED ON AE ACCT

I have too many inqs to get the visa ... Other wise I'd call and upgrade.. I was CLI automatically to this amount.. I'm fine with it not being a visa at this though because the interest rate is absurd at a 24.99 which is only 1 percent less from the store card. Additionally as an employee I can't reap any of the rewards so I see no point to use it but to keep it open as my oldest card
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,172
Registered: ‎10-02-2012

Re: CLI DECLINED ON AE ACCT

Oh okay then now it makes sense. The whole reason why she got OLD NAVY CREDIT CARD AND AE WAS BECAUSE OF THE VISA UPGRADES. Hopefully they keep on giving cli's. Thanks for sharing!!


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012

Re: CLI DECLINED ON AE ACCT

Yeah the upgrade requires a HP which isn't worth it when they usually decrease the amount of credit you originally have because of it being a liability.. Ill eventually try tho
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,172
Registered: ‎10-02-2012

Re: CLI DECLINED ON AE ACCT

Hmm yea ive read that some people dont even get their CL changed when upgraded. Maybe just the fact that you can use it basically anywhere since it is licensed by VISA and VISA gets accepted EVERYWHERE. Other than that she wouldnt of gotten it because its not our favorite store .Once A VISA IT WILL BE USED FOR EMERGENCIES. 


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: CLI DECLINED ON AE ACCT

its alright. 

i opened both walmart and ae the same month. 

walmart has grown with me from 800 to 5k(store card)  and ive barely used it

ae ive put about 1k on and they denied me a cli. i called back right after thanksgiving and jokingly asked for 5k but id be happy with 2k. they softed me and granted only a 300 limit increase. so now the card is sd at 700.

 

this card really offers no rewards besides not tying up major credit cards. i dont even think i want the visa version. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,172
Registered: ‎10-02-2012

Re: CLI DECLINED ON AE ACCT

Thats true^^ but once a VISA you can use it anywhere else and pay it in full so do they dont get any interest. If no CLI by June it will surely be sleeping in the sock drawer and it will the first one! muahahaha


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+