Reply
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Wachovia CLI

Received the card back in late August or early September and finally got around to asking for a CLI today. The CSR mentioned that they can run one of two checks, and I was given a choice between the two. The first is an internal review, whereby they review your "accounts" and make a CLI decision and recommendation based on a soft pull. The second involved using an UW and a hard pull of your CR. I opted for the former and was offered $500. I then was given the chance for a manual review but waived that for now. So, my $2500 went to $3000.

 

The CSR also recommended that I call every 6 months on the dot to request a CLI. It almost seemed like an encouragement.

 

He also said that to avoid a late fee, payments must be made via the web by 4pm (I still don't know how to pay it online. Transfer?) and you can pay at the branch by 2pm.

Frequent Contributor
Posts: 320
Registered: ‎05-03-2009
0

Re: Wachovia CLI

FYI - Be careful with the payment at branch by 2 p.m.  Although I made a payment prior to 2 p.m. at the branch, it did not post until the following nite.  Fortunately, I gave myself several days grance.  Apparently, local branches do not post their transactions until after 5 p.m., thereby thwarting the 2 p.m. deadline.  Be careful
I want PATIENCE...and I want it NOW
Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Wachovia CLI

CONGRATS!

 

I banked with Wachovia for a long time (never had any of their credit products, though), and found their customer service to be top-notch. I like their rewards on their debit/check card too. I was sort of worried with the whole WellsFargo deal that Wachovia credit customers might be getting the shaft like the WAMU/Chase situation. I'm glad to see that's not the case!

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Senior Contributor
Posts: 4,267
Registered: ‎05-01-2008
0

Re: Wachovia CLI

I totally agree about Wachovia.  They delete bad info if you need them to, but beside that, they gave me a CLI of 1400 & I've banked with them for about 9 years.  Customer service is excellent!


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Wachovia CLI


LilMirth wrote:

CONGRATS!

 

I banked with Wachovia for a long time (never had any of their credit products, though), and found their customer service to be top-notch. I like their rewards on their debit/check card too. I was sort of worried with the whole WellsFargo deal that Wachovia credit customers might be getting the shaft like the WAMU/Chase situation. I'm glad to see that's not the case!


At least not yet it isn't. On the other hand the Wachovia CC portfolio is nothing like the Providian->WaMu CC portfolio. That one is a hot potato!

Regular Contributor
Posts: 114
Registered: ‎03-17-2009
0

Re: Wachovia CLI

This thread inspired and motivated me to ask for a CLI from Wachovia. I called and was given a $3200 increase on a soft pull. Went from $12500 to $15700. Wachovia sure is nice to me.
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Wachovia CLI

Nice job!
Regular Contributor
Posts: 153
Registered: ‎07-10-2009
0

Re: Wachovia CLI

Wachovia branches are a long way from officially totally and completely being converted over to Wells. My branch mgr said not until sometime in 2010. Chase is much further along in the complete conversion of Wamu. Did Wachovia ask for a current income update for the soft pulls?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Wachovia CLI


GomerPyle wrote:
This thread inspired and motivated me to ask for a CLI from Wachovia. I called and was given a $3200 increase on a soft pull. Went from $12500 to $15700. Wachovia sure is nice to me.

 

Congrats!
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Wachovia CLI


ExcellCR wrote:
Did Wachovia ask for a current income update for the soft pulls?

For mine, no. They didn't ask any questions.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.