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Established Contributor
Posts: 594
Registered: ‎02-17-2011
0

GE CLI help

So I was upgraded to ViSA on both gap and AeO. Hit my 4th statement and no CLI, called back door credit solutions and still denied. My FICO is 698. The letter they keep sending me says they pulled my report from dec 2012. I called the Backdoor and ask for a manual review and still get denied. What gives ???
Amex Delta Gold $1000.00 CL; Discover $1000.00 CL; Gap Visa $4500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart DISCOVER $4,000.00; Sam's Club Discover $8500.00; Barclay's Rewards MC $3300; CITIBank Dividend Platinum $300.00 CL; AMEX Green NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays US Airways Platinum MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL.

Senior Contributor
Posts: 3,852
Registered: ‎10-02-2012
0

Re: GE CLI help

I have a question for you!!! How long did you have  AE store card when offered VISA upgrade?? And was your AE store CL when offered upgrade?? Call the backdoor number!!

$1,200$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
Senior Contributor
Posts: 3,852
Registered: ‎10-02-2012
0

Re: GE CLI help

this is the number i got from here: GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)

$1,200$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: GE CLI help

What is the reason the letter says for the denial?

 

Not enough experience with the current limit?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: GE CLI help

I'd wait somemore ge it's all about when they pull new reports I got denied in march for a cli using a December report. But sometimes then two months later I get a cli.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: GE CLI help

GE also likes heavy usage on the cards



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 594
Registered: ‎02-17-2011
0

Re: GE CLI help

I use cards heavy. Got upgraded after 15 months . Called both back doors . Letter states now using a score from January . Saying high credit usage and inquires when I only have 1 inquiry
Amex Delta Gold $1000.00 CL; Discover $1000.00 CL; Gap Visa $4500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart DISCOVER $4,000.00; Sam's Club Discover $8500.00; Barclay's Rewards MC $3300; CITIBank Dividend Platinum $300.00 CL; AMEX Green NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays US Airways Platinum MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL.

Senior Contributor
Posts: 3,852
Registered: ‎10-02-2012
0

Re: GE CLI help

Hmmm call backdoor number!! That should be your last hope

$1,200$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
New Visitor
Posts: 25
Registered: ‎04-05-2013
0

Re: GE CLI help

[ Edited ]

You have to have the score as well above 710 for better results

And you have to keep calling once a month

P.S If they tell you high utl,is the key on the increase

Good luck:smileyhappy:

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