Reply
Established Contributor
Posts: 710
Registered: ‎06-01-2012
0

CLI Declined :(

[ Edited ]

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 Discover Card 6300 CL, Kay Jewelers 3000 CL
Epic Contributor
Posts: 24,744
Registered: ‎10-23-2007
0

Re: asking for first ever CLI tomorrow!!!


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.

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Established Contributor
Posts: 710
Registered: ‎06-01-2012
0

Re: asking for first ever CLI tomorrow!!!


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 Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: asking for first ever CLI tomorrow!!!

Good luck

Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: asking for first ever CLI tomorrow!!!

good luck bro!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / 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 (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: asking for first ever CLI tomorrow!!!

Hope you get the increase, keep us posted!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: asking for first ever CLI tomorrow!!!

congrats.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: asking for first ever CLI tomorrow!!!

yeah keep us posted. 

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

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: asking for first ever CLI tomorrow!!!

still waiting :smileyhappy:

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: asking for first ever CLI tomorrow!!!

Good Luck!

 

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

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.