Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
BCE LUV Question

Well, I was flat turned down at 61 days..... So I waited 6 months plus a few days...

 

Got this

 

Request a Line of Credit Increase
 

Your request for a line of credit increase has been submitted. 
You will receive a written response within 7-10 days.

 

 

Anyone ever got this and got the LUV?

 

I only tried 2X this time :smileyvery-happy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
Re: BCE LUV Question

Anyone??

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: BCE LUV Question

what was the reason for the denial at the 61 day mark?

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
Re: BCE LUV Question

Read the reason why your denied and post it. Log in and you'll be able to read the 7-10 day letter.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
Re: BCE LUV Question

tylaw13 wrote:

what was the reason for the denial at the 61 day mark?


Util was at 31%

 

It is 10% now.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
Re: BCE LUV Question

DeadSpider wrote:

Read the reason why your denied and post it. Log in and you'll be able to read the 7-10 day letter.


Where do you find this?

 

I looked all over the web site.

 

Thanks

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
Re: BCE LUV Question

NEVER... EVER apply for CLI with 30%+ utility you'll be turned down 100% of the time. If you can not get it down to under 5% with Amex I don't think it's even worth trying. Haven't ever seen success. 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
Re: BCE LUV Question
[ Edited ]

distantarray wrote:

NEVER... EVER apply for CLI with 30%+ utility you'll be turned down 100% of the time. If you can not get it down to under 5% with Amex I don't think it's even worth trying. Haven't ever seen success. 


I am at 10% now....

 

I guess the question that comes to mind is why wouldnt they just deny it like before instead of the 7-10 day deal.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
Re: BCE LUV Question

Did you get email after CLI you should have a link that takes you AMEX and put in your social I think and see the letter.

That's how I got my letter a month a go 7-10 days....

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: BCE LUV Question
Hmm well I got approved for the card with like 12% util.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k