Citicard/Best Buy denied a CLI due to payment pattern???

[tehdrizzle]

I'm completely baffled at this.  I'm 27 years old and got my first credit card at age 18.  I make 105k per year and pay my credit cards off in full every month.  I have a balance of $500 on my Best Buy card due to no interest for 18 months and planned on paying that off next month since it expires in January.  I only have a $1,000 limit there and tried for a CLI with only having 1 inquiry in the last year.  They sent me a letter denying me due to my payment pattern with them, what the hell is this?  My fico scores are EX - 801, EQ - 796, TU - 812.  Anyone ever heard of this?  I've never missed a payment with them either.

[DomoNomo]

You should just give them a call.  With an income like yours and FICO scores through the roof, I don't see why they will not give you an increase. 

[tehdrizzle]

I thought about that but I just went to the website, paid the card off, and put it through my shredder.  I'm just going to use my Credit Union's Mastercard for purchases from there going forward.  I however won't close the card

[yudeology101]

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@DomoNomo wrote:

You should just give them a call.  With an income like yours and FICO scores through the roof, I don't see why they will not give you an increase. 

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+1, give Cap1 EO a call and see what's going on.  Cap1 EO IMO is being pretty good lately. 

[Mellon]

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@yudeology101 wrote:

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@DomoNomo wrote:

You should just give them a call.  With an income like yours and FICO scores through the roof, I don't see why they will not give you an increase. 

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+1, give Cap1 EO a call and see what's going on.  Cap1 EO IMO is being pretty good lately. 

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Best Buy is no longer handled by CapOne

[yudeology101]

That's Right duh..my apologies.