Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
should/can I recon a declined CLI?

Ive had my card 9 months, no lates, and no new derogs. Ive actually had several removed/revised.

 

I dont carry a balance on other cards, but they are reporting my statement balance. thats the only reason I can think of a decline.

 

Have any of you ever reconned a CLI denial? what should I focus on in that conversation?

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
Re: should/can I recon a declined CLI?
Have you received any letters about the reason for denial?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
Re: should/can I recon a declined CLI?

No, they said it would take 7-10 business days, but thats the only reason I can think of. There is no backdoor number for them, so I didnt know if I should just call the number on the card, or what to say?

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: should/can I recon a declined CLI?

Chase declined the amount I asked for on my CLI,. I reconned it and got the full amt I asked for. I was at 1k and asked for a 4k CLI, they only gave me $300. I called and reconned it. I focused on the fact the card was useless in the reward categories they were offerring and was my lowest limit. It made it difficult to use if I was almost always maxing it out. I had to answer a few questions and she came back and approved the full CLI I requested.

Sometimes the computer models will get hung up on certain information that can be easily overlooked. In my case, it was my student loans that the computers could not get past.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
Re: should/can I recon a declined CLI?

jd5189 wrote:

Chase declined the amount I asked for on my CLI,. I reconned it and got the full amt I asked for. I was at 1k and asked for a 4k CLI, they only gave me $300. I called and reconned it. I focused on the fact the card was useless in the reward categories they were offerring and was my lowest limit. It made it difficult to use if I was almost always maxing it out. I had to answer a few questions and she came back and approved the full CLI I requested.

Sometimes the computer models will get hung up on certain information that can be easily overlooked. In my case, it was my student loans that the computers could not get past.


If only charter one/citizens had a backdoor number. the CSR wont get me to anyone for a recon. Maybe I'll have to wait for the letter, but I figured the sooner the better. I did everything they told me to do with the card for an increase and got declined.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL