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Sometimes they counter sometimes they don't ....sorry
@msf12555 wrote:
If you do it online how do they counter? Is it best over the phone?
Online a screen will pop up and ask will you accept
@msf12555 wrote:
So it prompts you for an amount, you enter and submit, and the site thinks and either approves, denies, or counters right on the spot?
Yes, that's why it makes no sense not to ask for full 3x current cl!
@msf12555 wrote:
So it prompts you for an amount, you enter and submit, and the site thinks and either approves, denies, or counters right on the spot?
For the most part yes
There have been times you get the 7-10 day message only to get a approval later via email hours llater other times it's a denial
I did this just this week.
Started off at $5000 on my BCP. After a few months I requested 3x online and got the $15k.
A couple of days ago I requested online $32,000 and it countered with $24,100 and I had to press ACCEPT to accept their counter. Decline I think is a 7-10 day message, instant approval is, well, instant, and counter is described as above.
Good luck!
My BCE had a 2k CL. I asked for 2K CLI, was countered with 1.2K... I quickly accepted! I wonder what would've happened if I asked for 4K CLI... counter with the same 1.2K? Or countered with the same 60% of what I asked for (2.4K in this case)? Never know...!
Do they always counter? I don't know.