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Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Dillards Amex CLI DECLINED

Got letter today and it looks like they pulled credit. WTF, since when does GE hard pull for CLI. I hate them, if I didn't need open CL, I would close all my GE cards
Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Dillards Amex CLI DECLINED

OMG GE, got letter today saying sorry we declined your CLI last month, that was an error, we have increased your CL to $2500, REALLY a $100! I got some words for you GE but I will keep them to myself!!!
Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Dillards Amex CLI DECLINED


Creditaddict wrote:
OMG GE, got letter today saying sorry we declined your CLI last month, that was an error, we have increased your CL to $2500, REALLY a $100! I got some words for you GE but I will keep them to myself!!!

 

Did I get this right? A hard pull for a $100 CLI? Frankly I would rather be turned down. Were it me I would be calling them for a recon and choking back my desire to give them a piece of my mind!
Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Dillards Amex CLI DECLINED

oh right, thanks for reminding me about the hard inq... but actually come to think of it, I didn't receive any hards on my credit, but the account is a joint, wonder if that's like Macy's system that sometimes sends letters that look like hard pulls, but they are soft.  So either they just hit primary credit or it was just a soft like it's suppose to be.  Either way $100 is just stupid especially if you look at my account history, I have never carried a balance on it
Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Dillards Amex CLI DECLINED

No hard INQ would spare them the piece of my mind. However, I'd still be calling!
Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Dillards Amex CLI DECLINED

really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day
Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Dillards Amex CLI DECLINED


Creditaddict wrote:
really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day

Like your own? Just another reason why I avoid GEMB like the plague!

 

If you don't call be sure to try again in six months!

Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Dillards Amex CLI DECLINED


Creditaddict wrote:
really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day

that's what they get paid for. When I worked part-time as a CSR for an energy company, I got the worse side of people every day.  I had to listen to people beg, cry and use profanity against me.  There were many times I had to hold my breath to keep from laughing.

 

So in other words, I doubt you wold ruin someone's day.  They more than likely use to it.  


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