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Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

cli drop!!

Wow, so last night I tried calling for an increase on my amazon store card. I was declined and was told that I would get a mail stating why in 7-10 days. Today I was going to decided to make a big purchace for christmas and found out my credit limit dropped from 1200 to 200. I am so pissed right now.

TU 746 (10/13)
GOAL: 750+






Valued Contributor
daybreakgonesXe
Posts: 1,855
Registered: ‎11-17-2012
0

Re: cli drop!!


Tran92 wrote:

Wow, so last night I tried calling for an increase on my amazon store card. I was declined and was told that I would get a mail stating why in 7-10 days. Today I was going to decided to make a big purchace for christmas and found out my credit limit dropped from 1200 to 200. I am so pissed right now.


That's awful! D: something must have spooked them, maybe they did a soft pull? Have some high balances due to the season that reported recently on other CCs?

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

EQ FICO 708 TU FICO 747 Credit Karma (TU) 776 Transrisk 799/990 Credit Sesame (EX) 754 Credit.com (EX) 753 VantageScore 3.0 712
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: cli drop!!

I don't think it reported yet, but I did have a balance of 185 which I was just about to pay off so I can finance something for 12 months. Ruined my whole christmas plan now..

TU 746 (10/13)
GOAL: 750+






Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: cli drop!!

So I finally got the mail stating why they dropped my CLI. It says:

- History of delinquency on Amazon.com Store card account within last 6 months
- Number of revolving accounts with a balance over credit line
- 90+ days delinquent or write off or unpaid collection within last 24 months

Is it possible they made a mistake? I don't have any delinquency on my report and I don't have any credit cards over my credit line. I've only used this card once to purchase a laser printer and paid it off in full. This is a joke.
TU 746 (10/13)
GOAL: 750+






Established Contributor
swpopham
Posts: 550
Registered: ‎06-02-2012
0

Re: cli drop!!

I would be on the phone instantly with an underwriter! get to callin and get back on here

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: cli drop!!

I agree. You should call immediately. Something is fishy.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012
0

Re: cli drop!!

yes, please give them a call, and let us know the result.

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: cli drop!!

Yes I'm curious as well...tell us what the outcome was.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: cli drop!!

Have you checked your CRs? There could be an error in reporting. I'd also be concerned about this and check ASAP. If your CR is okay, then definitely call backdoor # and see what's up.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: cli drop!!

Did you call?

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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