03-20-2013 08:53 PM
03-20-2013 08:54 PM - edited 03-20-2013 09:08 PM
Yes, I got a straight up "no".
>>>>> Short history
Called back a few months later and all requests were approved. I asked for an increase to $5k from $1,500 and a PC to green cash visa sig, otherwise I would close the account.
03-20-2013 08:57 PM
03-20-2013 08:59 PM
YOUR GRANDMA IS ON THE PHONE?
Just kidding. I don't remember hearing of a hard "no" from the EO, but maybe I just haven't read enough. I recently got a temporary reduction of my APR, but I asked to hold off on a CLI until my balances had updated. So, I'm talking to them again tomorrow to ask for an account review. Anyway, I don't remember any "no"s in the stories I've read, but I do recall modest progress.
03-20-2013 09:02 PM
03-20-2013 11:10 PM
03-20-2013 11:14 PM - edited 03-20-2013 11:16 PM
Short history, high INQs, many new accounts.
My score probably went down from the time they declined to the time they approved. They just wanted to see more history. Or I just got the wrong rep the first time.
I think the account may have been less than a year old during the first request, but it may have just hit the 1 year mark when they approved the CLI.
03-20-2013 11:18 PM
03-20-2013 11:22 PM - edited 03-20-2013 11:22 PM
The high INQs could be a minor problem, but I think they will be okay since you have the long history.
OT: my scores have just been plummeting since I found this forum. It makes it hard to stop apping. You having the same problem...10 INQs in 6 months!
03-20-2013 11:25 PM - edited 03-20-2013 11:26 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.