So, I requested a CLI two weeks ago (using automated phone service) and got the 7-10. So, I noticed that I had a balance @15% utility when I made the request; unfortunately I did not pay that before requesting. I've had the account 5 months. Anyway, I've checked all my credit reports and don't see any evidence that this request triggered a soft inq. Any idea what this means? Is it possible that having a balance--statement had not closed--at the time of CLI request triggers a decline? I'll call on tomorrow because I have not yet received the letter and will follow up with a live rep, but any thoughts on the theory?
Never requested CLI before, this was my first.
I am glad I do not have an AMEX and never ever plan on getting one. It seems to me that they bully around their customers too much....something that does not fly with me.