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Twice denied bce 3x cli

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brindle26
Regular Contributor

Twice denied bce 3x cli

Both the wife and I were denied twice. I'll be asking tomorrow for the third time. Any chance we'll be approved for a 9X CLI? Are they still soft pulling TU?

Message 1 of 7
6 REPLIES 6
EW800
Valued Contributor

Re: Twice denied bce 3x cli

I would think a 9X CLI may be pushing it.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 2 of 7
AvadaKedavra
Established Contributor

Re: Twice denied bce 3x cli

What have been the reasons for denial?

Message 3 of 7
brindle26
Regular Contributor

Re: Twice denied bce 3x cli

oping I could play catch up. I'll go for 3X again

Message 4 of 7
b_diddy
Established Contributor

Re: Twice denied bce 3x cli


@brindle26 wrote:

Both the wife and I were denied twice. I'll be asking tomorrow for the third time. Any chance we'll be approved for a 9X CLI? Are they still soft pulling TU?


No idea what your current CL's or CR's look like but 9x sounds like its beyond anything I've ever heard of here or elsewhere.  If this takes you over the a certain threshhold ($25k, I believe), look for them to want to verify income.

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)
     
      
Message 5 of 7
coldnmn
Mega Contributor

Re: Twice denied bce 3x cli

Maybe this will help.

 

http://ficoforums.myfico.com/t5/Credit-Cards/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 7
takeshi74
Senior Contributor

Re: Twice denied bce 3x cli


@AvadaKedavra wrote:

What have been the reasons for denial?


^ This.  If the reasons haven't been addressed then there really shouldn't be a reasonable expectation of approval.

Message 7 of 7
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