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Established Contributor
jcstarkey8826
Posts: 680
Registered: ‎06-01-2012

CLI Declined :(

[ Edited ]
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‎11-06-2012 01:04 PM - edited ‎11-08-2012 09:44 AM

any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

 

Hopefully I'll post a successful reply tomorrow!!!

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
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Mega Contributor
Creditaddict
Posts: 11,056
Registered: ‎10-23-2007

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 01:21 PM

jcstarkey8826 wrote:

any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

 

Hopefully I'll post a successful reply tomorrow!!!

it's Chase $500 limit card you want to ask for the CLI on?

You have had it for 6 months or?

why are you waiting until tomorrow?

are you going to call directly in to back door number and speak with analyst while on phone? be best i think (HP) too though with Chase keep in mind.

Waiting is so Overrated! :smileytongue:
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Established Contributor
jcstarkey8826
Posts: 680
Registered: ‎06-01-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 01:31 PM

Creditaddict wrote:
jcstarkey8826 wrote:

any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

 

Hopefully I'll post a successful reply tomorrow!!!

it's Chase $500 limit card you want to ask for the CLI on?

You have had it for 6 months or?

why are you waiting until tomorrow?

are you going to call directly in to back door number and speak with analyst while on phone? be best i think (HP) too though with Chase keep in mind.

no its through my charter one bank credit card. Ive had it for 9 months. Im waiting until tomorrow because I'll be at the 9 month mark, which is where they said I had to be before requesting it.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 03:19 PM

Good luck

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Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 03:24 PM

good luck bro!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 03:57 PM

Hope you get the increase, keep us posted!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Established Contributor
migliogiorni
Posts: 589
Registered: ‎06-27-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 04:15 PM

congrats.

 

Dallas Cowboys Fan :smileyvery-happy:
CSP: 5k
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 08:05 PM

yeah keep us posted. 

from what i heard it will be a hard pull. so be prepared for that. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Established Contributor
CruzImperial
Posts: 860
Registered: ‎07-04-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-06-2012 10:17 PM

still waiting :smileyhappy:

Fico Scores: . Walmart TU 724 . App free since Aug 2012 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
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Established Contributor
snowkitty
Posts: 636
Registered: ‎09-10-2012

Re: asking for first ever CLI tomorrow!!!

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‎11-07-2012 04:13 AM

Good Luck!

 

(And credit314....I like your signature line)

TU Fico 714 | Sesame 738 | Credit Karma 734 | Wal-Mart FICO 708 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 5.5k | Citi Diamond Preferred 6k | Bofa Visa 500 | Discover More 1.5k | Wal-Mart 2.5k | Amazon 2.5k | Old Navy 1050 | Shell 600 | BP 400 | VS 500 | Sam's Discover 3.5k | FNBO Amex 6k | Chase Freedom 1k | Brylane Homes 600 | BML 821

*You can find me in the garden.....app free since 3/21/13*
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