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Established Contributor
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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 #?


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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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Established Contributor
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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:


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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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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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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!
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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



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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.




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Super Contributor
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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'



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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"


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