Denied by automated voice system (JCPenney and Banana)

[pt2005]

Hi guys,

As I was feeling a good momentum with my recent CLI from Capital1 and a new Discover More approval, I called the numbers on theback of my JCP and askedfor an increase from $600 to $2000 and got denied. I did the same to my Banana card and asked for increase from $800 to $2000 and got denied also. 

Is there a back door number to call? I still have Paypal smart connect card which is GE bank , should I call Paypal too?

[LS2982]

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@pt2005 wrote:

Hi guys,

As I was feeling a good momentum with my recent CLI from Capital1 and a new Discover More approval, I called the numbers on theback of my JCP and askedfor an increase from $600 to $2000 and got denied. I did the same to my Banana card and asked for increase from $800 to $2000 and got denied also. 

Is there a back door number to call? I still have Paypal smart connect card which is GE bank , should I call Paypal too?

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When requesting CLI's with GE, I would speak directly to a rep. If you need to go the manual route they can transfer you from there.

[navigatethis12]

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@LS2982 wrote:

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When requesting CLI's with GE, I would speak directly to a rep. If you need to go the manual route they can transfer you from there.

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True. I rang the number on the Amazon card and was able to be transfered to someone who could put in a request manually and was approved very soon. I do not know what the automated system's problem is.

[pt2005]

So I just call them up one by one then. JCP, Banana, and Paypal 

It is a hard pull or soft when done manually? Thanks

[youngandcreditwrthy]

Sounds like you're testing your luck hahhaha. Wow, you got luv from C1?!? Holy moly... The world must be ending hahha. Forgive my sarcasm, C1 hasn't done me well.

Otoh, GECRB ROCKS! They typically base clis on your current report, as well as a four month payment history.

[prolificjinx23]

Maybe you guys can help me too.... What's the number you use to get a manual review for Walmart?

[youngandcreditwrthy]

Check the backdoor thread... They may wanna hp you, but it depends on the rep.

[prolificjinx23]

HP is a bad word for me right now!!!!!

[navigatethis12]

Credit Karma has not shown a new inquiry and they mentioned nothing about it, so it must have been a soft pull.

[Creditaddict]

GE CLI automated system, CSR, or Manual Review are SP!

If you call number on back of card you can do request with rep if you really want but they are simply doing the same thing you do yourself on automated phone.  To have the manual review you have to have the CSR transfer you to underwriting for the "Manual Review" the biggest plus is 1. They refresh your report, which with GE the automated system uses the latest "on File" which many times runs 60-90 days behind current date.

I have only been told 1 that I could not speak with underwriting but they were wrong and once I realized the 2 people I was speaking to were just not going to figure it out or change mind I jung up and called back with no issues.

Request HIGH, they will counter!