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Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Dillards CLI request denied..(again)

[ Edited ]

This is just a bummer...cannot get any love from Dillards. Called the GE backdoor number to request a bump from 300. Had the card since August and the first time i requested an incrase in November (before Black Friday) got denied for not enough history with the card. Called right after new years and talked to underwriting and denied again. Letter came with a score of 709 on TU....was approved for the card with a score of 680 back in August. Just bummed out that they would deny a CLI request with that score...oh well.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
navigatethis12
Posts: 1,930
Registered: ‎01-24-2012
0

Re: Dillards CLI request denied..(again)

Have you tried going through regular customer service for an increase first and if not approved, ask to be transferred? Someone on another board said they do that and I have had success for every amount I ask when I do it that way. I get the same woman every time, though, so maybe that has something to do with it? I went from 2500 -5000 - 10000 with Amazon that way (one month between increases so four months not needed) and from 2400 - 10000 on Dillards.

Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: Dillards CLI request denied..(again)


navigatethis12 wrote:

Have you tried going through regular customer service for an increase first and if not approved, ask to be transferred? Someone on another board said they do that and I have had success for every amount I ask when I do it that way. I get the same woman every time, though, so maybe that has something to do with it? I went from 2500 -5000 - 10000 with Amazon that way (one month between increases so four months not needed) and from 2400 - 10000 on Dillards.


you mean call actuall Dillards customer service writing or GE credit sulotions?


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Regular Contributor
aplast
Posts: 150
Registered: ‎06-20-2012
0

Re: Dillards CLI request denied..(again)


dodgerslv wrote:

navigatethis12 wrote:

Have you tried going through regular customer service for an increase first and if not approved, ask to be transferred? Someone on another board said they do that and I have had success for every amount I ask when I do it that way. I get the same woman every time, though, so maybe that has something to do with it? I went from 2500 -5000 - 10000 with Amazon that way (one month between increases so four months not needed) and from 2400 - 10000 on Dillards.


you mean call actuall Dillards customer service writing or GE credit sulotions?


the number on the back of your dillards credit card. a lot of GE cards have an automated system that you can request a CLI. I have done it a few times. I went from 300 bucks to 4000 on my paypal smart connect in a little over a year.

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Epic Contributor
Creditaddict
Posts: 20,153
Registered: ‎10-23-2007
0

Re: Dillards CLI request denied..(again)

call regular number on back of card, if front line CSR says declined, then ask to be transferred for "Manual Review" they will do INSTANT SP and talk to you... make them give you specifics that are not computer generated why they won't give the CLI.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: Dillards CLI request denied..(again)

Thanks for the input everyone...will try that route and keep u guys posted on results...wish me luck!

Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
navigatethis12
Posts: 1,930
Registered: ‎01-24-2012
0

Re: Dillards CLI request denied..(again)


Creditaddict wrote:

call regular number on back of card, if front line CSR says declined, then ask to be transferred for "Manual Review" they will do INSTANT SP and talk to you... make them give you specifics that are not computer generated why they won't give the CLI.


Yes this is what I meant. I really do not like ringing analysts directly, so usually will go through regular customer service first.


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