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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

TJX CLI- Reachin for the moon-- Denial

Today I requested a CLI from GE's TJX Mastercard and was denied.  The agent asked me how much I wanted and I told her and she came back with a denial.

 

My limit is $800 on this card, but have a few others from GE with way higher limits.  For this card I requested a $1700 increase with i thought was in the realm of all my other cards.  I have received and paid for 3 statements.

 

Question...should I ax this card as I have a Mastercard from my credit union which far exceeds this one?

 

Am I not to reach for the moon?  I know of no other way to go:smileywink:

 


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

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Valued Contributor
dalebb
Posts: 1,424
Registered: ‎08-28-2010
0

Re: TJX CLI- Reachin for the moon-- Denial


JusdoNit wrote:

Today I requested a CLI from GE's TJX Mastercard and was denied.  The agent asked me how much I wanted and I told her and she came back with a denial.

 

My limit is $800 on this card, but have a few others from GE with way higher limits.  For this card I requested a $1700 increase with i thought was in the realm of all my other cards.  I have received and paid for 3 statements.

 

Question...should I ax this card as I have a Mastercard from my credit union which far exceeds this one?

 

Am I not to reach for the moon?  I know of no other way to go:smileywink:

 



i think they want a funky number like $1690

Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: TJX CLI- Reachin for the moon-- Denial


dalebb wrote:

JusdoNit wrote:

Today I requested a CLI from GE's TJX Mastercard and was denied.  The agent asked me how much I wanted and I told her and she came back with a denial.

 

My limit is $800 on this card, but have a few others from GE with way higher limits.  For this card I requested a $1700 increase with i thought was in the realm of all my other cards.  I have received and paid for 3 statements.

 

Question...should I ax this card as I have a Mastercard from my credit union which far exceeds this one?

 

Am I not to reach for the moon?  I know of no other way to go:smileywink:

 



i think they want a funky number like $1690


 

 

:smileyvery-happy::smileyvery-happy::smileylol:  Thanks for the support.


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: TJX CLI- Reachin for the moon-- Denial

 

I'd try again at the 6 month mark, I'm thinking they will probably bump you up then.

 

What reason did they give you for denying a CLI ?   Did they at least counter~offer you a smaller CLI, or were you flat out rejected ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: TJX CLI- Reachin for the moon-- Denial

Flat decline with no counter which I thought was odd.  The overseas rep said I would get a letter in the mail.  I don't think I want to give them 6 more months.

 

?????????????????


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: TJX CLI- Reachin for the moon-- Denial

 

You've already had the card for 3 months, right ?    Call them for a CLI when the card is 6 months old.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
steve23111
Posts: 355
Registered: ‎08-09-2011
0

Re: TJX CLI- Reachin for the moon-- Denial

Wait... I thought the CLI guideline for GE cards was once every four months?

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Regular Contributor
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

Re: TJX CLI- Reachin for the moon-- Denial

You need to have the card longer. Patience :smileywink:

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: TJX CLI- Reachin for the moon-- Denial

Patience??? Where oh where can I find??? LOL:smileysurprised:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: TJX CLI- Reachin for the moon-- Denial


JusdoNit wrote:

Today I requested a CLI from GE's TJX Mastercard and was denied.  The agent asked me how much I wanted and I told her and she came back with a denial.

 

My limit is $800 on this card, but have a few others from GE with way higher limits.  For this card I requested a $1700 increase with i thought was in the realm of all my other cards.  I have received and paid for 3 statements.

 

Question...should I ax this card as I have a Mastercard from my credit union which far exceeds this one?

 

Am I not to reach for the moon?  I know of no other way to go:smileywink:

 


To my knowledge GE requires an account to be open for 4 months before any CLI request is granted.




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