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Requesting CLI Online vs Phone

Established Contributor

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


Take the FICO Fitness Challenge

Long way to go ^_^
Message 1 of 24
23 REPLIES
Valued Contributor

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!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 2 of 24
Established Contributor

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 Smiley Sad


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


Take the FICO Fitness Challenge

Long way to go ^_^
Message 3 of 24
Mega Contributor

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.




EQ FICO 548 3/3/16
Message 4 of 24
Valued Contributor

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.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 5 of 24
Mega Contributor

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.




EQ FICO 548 3/3/16
Message 6 of 24
Super Contributor

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.


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



Message 7 of 24
Mega Contributor

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.




EQ FICO 548 3/3/16
Message 8 of 24
Super Contributor

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'



Message 9 of 24
Established Contributor

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


Take the FICO Fitness Challenge

Long way to go ^_^
Message 10 of 24