Successful FIA CLI

[Anonymous]

As I recently went on small spree again after freezing myself for 2 months, I got denied from Citi forward,discover more,

boa signature,amex blue cash preferred. For some reasons, amex has sympathy on me and didn't pull hard on my report. 

I was only able to get travelocity amex from barclay and CLI on it to $3000. I tried recon citi 4 times today to no success

and I think I will wait until next february to let things cool down. But before freezing myself again, I need to prepare

my existing tradlines to make them at least usable and be "sufficient as credit references" for applying for those

visa signature and world MC which request $5000 CL or bigger. So, I went ahead request CLI on my heaviest usage card,

FIA fidelity, from $1000 to $3000. Get message to call 1-800-294-5217 to get decision. I called and answered mutiple questions

of employment, income related questions and she let me hold a line for about 2 minutes and come back with congratulation

your request has been approved. New CL will reflected on your account right now.

Next target for CLI would be my chase freedom but I seldom use this card. I don't know if I will just waste hard pull if they check and see

there is almost no usage on it and declined my request?

[jefftca925]

I would hold off on requesting a CLI with Chase until your INQ have aged a bit.  They will pull a hard and deny you for recent INQs.  Just work with what you have right now and let some aging help your credit file. 

[Anonymous]

Do you know what bereaus chase usually pull for CLI request? They pull EX when I applied for a card.

[jefftca925]

they have always pulled EQ for me.  I have 4 cards, checking, savings, mortgage with them along with over 3 years CC history and was denied in March for a CLI because of INQ.  I'd tread lightly with Chase.

[Anonymous]

I hope they go for EQ for me. No one really check EQ anymore in NYC except discover and some credit unions.

[etothejomegan]

Could you give a bit more background? I am wondering why Citi and Discover would deny you those two cards when FIA approved you for Fidelity.

[Anonymous]

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etothejomegan wrote:n

Could you give a bit more background? I am wondering why Citi and Discover would deny you those two cards when FIA approved you for Fidelity.

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My first secured  public savings bank CC was opened on 8/2010. I opened second card from cap1 on 3/2011. 

Then I apped for citi forward and got error message screen when submitting application. I did a big mistake by

apped for the same card again the day after. Ten days passed, I got 2 denial letters and wasted 2 hard pull on EX.

I got my amex zync as a third one on 4/2011. As of now, I had 4 inqs on EX, 2 on EQ, 2 on TU. I started a first app spree

on 5/2011 and result was:

1. fidelity amex pull EX then 2 days later pull TU(741) then got approved for $1000 CL. I think co-brand cards usually

have lesser requirements and I have better chance getting approved than non co-branded plus I just knew later

after getting approved that there will always be a manual review for applications that were not instantly approved

for fidelity card. My UTI% at that time is 1%. No Baddies. Everything is good except short credit history.

2. amex blue cash everyday  denied and still denied after recon.

3. discover more  denied and they requested for co-applicant but I don't want that.

4. chase freedom  denied first and got it on recon. $1000CL.  I banked with them so thing just went much easier

than recon with citi.

5. barclay apple  got it through recon.

6. apped for psecu,penfed membership

After the spree, there were 8 inqs on EX, 4 on EQ and 4 on TU. I freezed EX and stopped for 2 months

plus XXX EQ and TU back to square1 and go for second spree as I described.