topic Re: Equality card CLI request in Credit Card Applications

Equality card CLI request

12njoy — Tue, 19 Apr 2016 22:11:48 GMT

Requested a CLI on my 1 year old Equality card. Was told that EQ was on ice. Contacted EQ and was told that report wasn't on ice. Long story short, called Equality back and they processed CLI immediately on phone with EX report. Last week while dealing with them and EQ they said they would only do EQ. Somehow yesterday they pulled EX. They offered a CLI of $100. This is not the moral of the story that I'm telling so please keep negative comments to yourself, thank you. Anyway, I pulled all 3 reports and see an inquiry from MB Financial from yesterday. This is my only inq from yesterday. I call Equality back and get to credit department and was told they 1st American State Bank pulled my EX yesterday. I told csr that I have only one inquiry from MB Financial Bank. She said that shouldn't be unless I applied for an MB card. I said I didn't. She was puzzled so I asked if they handle MB Financial Bank also. She said yes but I see you have two accounts with us. I said I do? She said yes, Blispay (this is the moral of the story here). I said so you all handle Equality and Blispay and she said yes. I said ok thank you. As she was saying her closing, she said "thank you for calling TD Bank services". She apologized for that but apparently they do something with TD Bank also, but she didn't say anything about my two TD accounts. I did ask them to manually review the cli since I already took the hit. My credit, my choices. Not asking for any advice here, just providing information.

Re: Equality card CLI request

Anonymous — Tue, 19 Apr 2016 23:07:35 GMT

Whaaat? I thought FEB handled Blispay? Maybe they switched?

Also, what does MB stand for?

Re: Equality card CLI request

12njoy — Tue, 19 Apr 2016 23:09:33 GMT

@Anonymous wrote:
Whaaat? I thought FEB handled Blispay? Maybe they switched?

Also, what does MB stand for?

I have no idea what MB stands for. I was just as surprised as you which is why I posted this.

Re: Equality card CLI request

Creditaddict — Tue, 19 Apr 2016 23:43:27 GMT

So moral is Equality wouldn't increase you?

$10k is their max you know between personal and business.

Re: Equality card CLI request

12njoy — Tue, 19 Apr 2016 23:46:31 GMT

@Creditaddict wrote:
So moral is Equality wouldn't increase you?

$10k is their max you know between personal and business.

The moral of the story is the connection between Equality, Blispay and possibly TD Bank. Increases/decreases/denials come and go

Re: Equality card CLI request

12njoy — Tue, 19 Apr 2016 23:48:02 GMT

@Creditaddict wrote:
So moral is Equality wouldn't increase you?

$10k is their max you know between personal and business.

If indeed that Equality and Blispay are connected, they will go beyond 10k.

Re: Equality card CLI request

Creditaddict — Tue, 19 Apr 2016 23:49:54 GMT

@12njoy wrote:
@Creditaddict wrote:
So moral is Equality wouldn't increase you?

$10k is their max you know between personal and business.
If indeed that Equality and Blispay are connected, they will go beyond 10k.

I'm speaking for Equality only being maxed at $10k... both my partner at that.

Re: Equality card CLI request

12njoy — Tue, 19 Apr 2016 23:52:34 GMT

@Creditaddict wrote:
@12njoy wrote:
@Creditaddict wrote:
So moral is Equality wouldn't increase you?

$10k is their max you know between personal and business.
If indeed that Equality and Blispay are connected, they will go beyond 10k.
I'm speaking for Equality only being maxed at $10k... both my partner at that.

Well that's what I asked for was 10k which is what I was initially approved for.

Re: Equality card CLI request

Anonymous — Wed, 20 Apr 2016 03:09:32 GMT

@Anonymous wrote:
Whaaat? I thought FEB handled Blispay? Maybe they switched?

Also, what does MB stand for?

Did you apply for an auto loan? Mercedes Benz Financial Bank...... this is the same code on my report MB Financial Bank for my two car loans...FYI

Re: Equality card CLI request

12njoy — Wed, 20 Apr 2016 03:14:58 GMT

@Anonymous wrote:
@Anonymous wrote:
Whaaat? I thought FEB handled Blispay? Maybe they switched?

Also, what does MB stand for?
Did you apply for an auto loan? Mercedes Benz Financial Bank...... this is the same code on my report MB Financial Bank for my two car loans...FYI

No. The only thing I did yesterday was Equality. They (Equality) said they got my EX report too. I had issues with EQ so I think they just went in through another avenue and got EX IMO

Re: Equality card CLI request

UncleB — Wed, 20 Apr 2016 08:32:15 GMT

Very interesting... thanks for sharing the data point!

Re: Equality card CLI request

ddemari — Thu, 21 Apr 2016 17:22:33 GMT

very interesting. MB Financial has branch locations here in Illinois. They dont have much of a following and definitely not a very big pusher of CC's although they do offer a lineup of mastercards. They are kind of similiar to 5/3 bank except no one really uses MB Financial that I know of. MB means business is there saying haha.

Re: Equality card CLI request

12njoy — Thu, 21 Apr 2016 21:40:54 GMT

@ddemari wrote:
very interesting. MB Financial has branch locations here in Illinois. They dont have much of a following and definitely not a very big pusher of CC's although they do offer a lineup of mastercards. They are kind of similiar to 5/3 bank except no one really uses MB Financial that I know of. MB means business is there saying haha.

Agreed. That's the moral of the story MB Financial, Equality. 1st American State Bank, Blispay, TD. The cli was/is a bi-product of the thread.

Re: Equality card CLI request

12njoy — Fri, 22 Apr 2016 22:47:41 GMT

End of 2nd part of thread. Emailed Nick and got an email back that they would reconsider my cli. They said the partner bank was holding fast with the $100 cli but Nick wanted to do something so they offered a $1,000 cli which I accepted. So anyone considering a cli with Equality, they do consider inquiries heavily. I believe Nick is the President of the partner bank but sounds like this was a team decision.