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Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
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Requesting CLI Online vs Phone

is there a difference? I tried a cli on my old navy card online and it was denied... not sure why since my score has only gone up since my last CLI... which was 4 months ago.. should i wait 6 months? or should i call??? Also.. does anyone know an old navy recon #?


Starting Score: 575 (As Of Early 2011)
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Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
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Re: Requesting CLI Online vs Phone

I don't think there is any difference, the only thing I would do if calling, is ask the CSR if it's going to be a hard for the CLI request.

 

I do not have any Old Navy products, so I can not say weather it's best at 4 or 6 months.

 

Best of Luck!


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Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
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Re: Requesting CLI Online vs Phone

well its a GE backed card... are GE cards usually 4 or 6 months wait in between CLI's? i received an increase on my BB and old navy card on the same day in Nov.. sucks if i'd have to wait till march :smileysad:


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Requesting CLI Online vs Phone


Juan123 wrote:

is there a difference? I tried a cli on my old navy card online and it was denied... not sure why since my score has only gone up since my last CLI... which was 4 months ago.. should i wait 6 months? or should i call??? Also.. does anyone know an old navy recon #?


I think you got a better shot requesting online and if they deny then call and ask for a manual review.




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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
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Re: Requesting CLI Online vs Phone

If it's a GE card, then I would say after every 4th statment cuts you can ask for CLI.


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Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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LS2982
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Registered: ‎04-09-2011
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Re: Requesting CLI Online vs Phone


Mustanglvr2006 wrote:

If it's a GE card, then I would say after every 4th statment cuts you can ask for CLI.


I've noticed you can do it whenever you like but I think they only count if its been 4 months apart from your last CLI.




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
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Requesting CLI Online vs Phone

[ Edited ]

Mustanglvr2006 wrote:

If it's a GE card, then I would say after every 4th statment cuts you can ask for CLI.


+1 Although you can still request before but chances are you might get denied



Mega Contributor
LS2982
Posts: 15,436
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Re: Requesting CLI Online vs Phone


CS800 wrote:

Mustanglvr2006 wrote:

If it's a GE card, then I would say after every 4th statment cuts you can ask for CLI.


+1 Although you can still request before but chances are you might get denied

They'll deny and send you the exact same info from your approval scores.




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
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Requesting CLI Online vs Phone


LS2982 wrote:

CS800 wrote:

Mustanglvr2006 wrote:

If it's a GE card, then I would say after every 4th statment cuts you can ask for CLI.


+1 Although you can still request before but chances are you might get denied

They'll deny and send you the exact same info from your approval scores.


Oh the famous 'you will get a letter explaining the results of your denial in 7-10 bd'



Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
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Re: Requesting CLI Online vs Phone

i've requested CLI's each of the last 3 months the letter always says "Your request was denied because you have insufficient experience with your current credit line"


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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