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CLI Declined :(

Established Contributor

Re: asking for first ever CLI tomorrow!!!

today is the day!!! ahhh, Im so nervous, my other cards are reporting a balance and Im torn between letting them update with a low balance or just going for it today being that the CLI card is at a $0 balance.

 

Will do this on my lunch btw, a couple more hours to go Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 11 of 18
Epic Contributor

Re: asking for first ever CLI tomorrow!!!


jcstarkey8826 wrote:

today is the day!!! ahhh, Im so nervous, my other cards are reporting a balance and Im torn between letting them update with a low balance or just going for it today being that the CLI card is at a $0 balance.

 

Will do this on my lunch btw, a couple more hours to go Smiley Happy


When Credit Lines are this low, you should be fine with a little util.

Message 12 of 18
Established Contributor

Re: asking for first ever CLI tomorrow!!!

ok, so I called and asked for the CLI. before we started the CSR said he would have to take some info and fwd it to a credit analyst, they will HP me and review my account to make the decision. He said I could check the status electronically by calling in, typically the decision takes 2-4 business days, or I can wait for the letter they send out which usually takes 7-10.

 

crossing fingers. Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 13 of 18
Established Contributor

CLI Declined :(

after nine months of using this card with no lates and a $0 balance right now, I was declined. They couldnt tell me the reason, said I would get it in the mail, but Its very frustrating to wait 9 months for a NO. They didnt raise it one penny. I put about 12k through the card in 9 months and had to make multiple payments to it every week to keep using it. Waste of a HP!

 

The card will now be locked away in the safe deposit box. Sleep tight Charter One. Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 14 of 18
Established Contributor

Re: CLI Declined :(

never even heard of charter one it sounds like a very subprime card from what I see. You should've applied for Freedom card for an increase instead


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 15 of 18
Established Contributor

Re: CLI Declined :(


distantarray wrote:

never even heard of charter one it sounds like a very subprime card from what I see. You should've applied for Freedom card for an increase instead


Its actually my best card. Its just not wide spread company.

No AF, 1% on all purchases, 3% on my most used category. No overlimit fees. My favorite card, until now lol ive only had chase for one month, so didnt want to try yet.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 16 of 18
Established Contributor

Re: CLI Declined :(


jcstarkey8826 wrote:

after nine months of using this card with no lates and a $0 balance right now, I was declined. They couldnt tell me the reason, said I would get it in the mail, but Its very frustrating to wait 9 months for a NO. They didnt raise it one penny. I put about 12k through the card in 9 months and had to make multiple payments to it every week to keep using it. Waste of a HP!

 

The card will now be locked away in the safe deposit box. Sleep tight Charter One. Smiley Happy


Sounds like a waste of time.  You need to go another route and dump these people.  Keep the card in good standing until you can build elsewhere.  Good luck.


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Message 17 of 18
Highlighted
Valued Contributor

Re: asking for first ever CLI tomorrow!!!

Sorry to hear about your declined request, if I was in your shoes I would wait until my balances are down and app for another card like chase/discover even if you get a low limit the card will grow with you eventually, good luck also if your scores are in the high 600's citi i think is a option also for a card like the platinium select.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 18 of 18