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
When Credit Lines are this low, you should be fine with a little util.
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. 
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.
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.
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: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
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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