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Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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 :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

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 :smileyhappy:


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

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
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Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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. :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

CLI Declined :(

[ Edited ]

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. :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
guydiver
Posts: 541
Registered: ‎08-30-2007
0

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. :smileyhappy:


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.

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Valued Contributor
tray
Posts: 1,391
Registered: ‎01-29-2008
0

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.


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