02-22-2009 01:45 PM - last edited on 02-22-2009 02:44 PM by Scamp
Last week I was declined for CLI, so I called 9939 Cap 1 number today to get more info. The account specialist was polite, but kept mentioning that there is nothing she can do. This runs against what other people experieced, so I am wondering what I might have done wrong.
My CL is $1000 and scores are TU: 684, EQ: 647
Should I just call again? And if so what specifically should I be asking for?
(this post was split off from the Backdoor Numbers thread)
02-22-2009 03:00 PM
02-23-2009 07:51 AM
I app'ed for a Citi Platimum MC for the 0% BT and was declined.
This morning I called for recon and was told because I was late in the past month, they can't approve me. Told me to apply again in 60 days.
I told the CSR that I have never been late with any creditors in the past few years and I do check my credit report frequently.
She said I have to contact Equifax and dispute the late reporting, then mail my updated report to Citi for recon.
If they're not offering credit or only offering to super credit groups - they should inform people, so we don't waste time and credit pulls.
02-23-2009 09:57 AM
Try this number for CITI- 1-866-544-9851
I called it today to convert and an analyst/supervisor spoke with me right away. Really nice lady and converted no problem.
02-23-2009 01:18 PM
Hi maks, welcome to the forums!
I would try getting a different CSR on the phone. Sometimes it works, sometimes it doesn't. I tried 4 different backdoor CSRs to try and have my CL reinstated with BOA, alas to no avail.
I recently read on the forums that Capital One has stopped doing CLIs altogether on account of the credit crisis. Not sure if this includes the backdoor number, but I would assume it would.
02-23-2009 03:23 PM - edited 02-25-2009 12:15 AM
according to the analyst i spoke with via a backdoor # a couple of weeks ago, cap1 is sending out a boat load of changes in terms notifications over the next couple of months, and so they're hesitant to repsond to customers who are requesting cli's or apr reductions for the next couple of months.
to call again often yields results, but if he was right, the backdoor may be 'closed' for now too. if you give it another try, i wonder if you'll receive a similar explanation- or perhaps there will be a cli available on your account this time, since clearly this isn't a natural science, YMMV. GL!
02-24-2009 02:02 PM
02-24-2009 09:19 PM - edited 02-24-2009 09:20 PM
Called Capital One again yesterday. Right of the bat, the credit analyst says that they are not approving CLI due to poor economy conditions.
I would love to hear if anyone does get CLI.
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.