topic Re: Marvel CLI request | denied in Credit Card Applications

Marvel CLI request | denied

_NERD — Sun, 16 Dec 2018 13:35:58 GMT

Could it be that this TL util is at 77% and another marvel card I’m an AU on is at 80%? Letter is coming in the mail.

Re: Marvel CLI request | denied

Gmood1 — Sun, 16 Dec 2018 13:39:27 GMT

Did you request online or call in? Normally you can get a higher approved CLI by calling in. They have me maxed at $10k using the online portal.

Re: Marvel CLI request | denied

_NERD — Sun, 16 Dec 2018 13:52:33 GMT

Hit the luv button online. My synchrony Walmart store card account won’t let me request online now. I have the number to UW & will call later. I requested an increase to $25k from $6k.

Re: Marvel CLI request | denied

Gmood1 — Sun, 16 Dec 2018 14:10:52 GMT

@_NERD wrote:
Hit the luv button online. My synchrony Walmart store card account won’t let me request online now. I have the number to UW & will call later. I requested an increase to $25k from $6k.

Yup it was the same for me. I had to call in in order to get my Walmart card over $10K. I was denied online but called in afterwards and had it raised. Be aware Walmart and Marvel use different UWs. You can't use the overseas number for Marvel. Marvel's UW is based in the States. Way more conservative than the overseas UWs for Walmart, Sam's and Lowes.

Re: Marvel CLI request | denied

_NERD — Sun, 16 Dec 2018 14:24:28 GMT

Wow I didn’t know there was two UW depts. I have 3 numbers in my phone for two depts:

synchrony credit solutions

synchrony underwriting

Re: Marvel CLI request | denied

kdm31091 — Sun, 16 Dec 2018 14:51:12 GMT

I would say if the card is at 77% util you are better off asking later. It is always easier, at least IMO, to get a CLI when the utilization isn't high. Pay it down and then ask.

Re: Marvel CLI request | denied

UncleB — Sun, 23 Dec 2018 17:35:36 GMT

@Gmood1 wrote:
@_NERD wrote:
Hit the luv button online. My synchrony Walmart store card account won’t let me request online now. I have the number to UW & will call later. I requested an increase to $25k from $6k.
Yup it was the same for me. I had to call in in order to get my Walmart card over $10K. I was denied online but called in afterwards and had it raised. Be aware Walmart and Marvel use different UWs. You can't use the overseas number for Marvel. Marvel's UW is based in the States. Way more conservative than the overseas UWs for Walmart, Sam's and Lowes.

I wasn't aware that the overseas CS number couldn't handle Marvel CLI requests... thanks for sharing that!

Re: Marvel CLI request | denied

Jnbmom — Sun, 23 Dec 2018 17:45:40 GMT

I have the card 4 months. Requested at 3 nope then again at 4 months nope.

They seem to run a little different from their other cards. WM and Amazon every 3 months, care credit and lowes every 2-3 months. Not sure how marvel works ??

At least this is my experience

Re: Marvel CLI request | denied

Remedios — Sun, 23 Dec 2018 17:57:33 GMT

I think Walmart is every 4 months, or at least that's what it was for me.

Re: Marvel CLI request | denied

Jnbmom — Sun, 23 Dec 2018 17:59:23 GMT

@Remedios wrote:
I think Walmart is every 4 months, or at least that's what it was for me.

Now that I looked back yes WM every 4, but amazon I have gotten every 3.

Re: Marvel CLI request | denied

_NERD — Fri, 28 Dec 2018 03:16:38 GMT

Bumping this post one last time,

I received the denial letter in the mail today on this, listing the reasons I couldn't get luv.

- - -

- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

- PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCOUNTS IS TOO HIGH

- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH

- LENTH OF TIME REVOLVING ACCOUNTS HAS BEEN ESTABLISHED

Your credit score (TU): 740

Date: December 18, 2018

- - -

My interpretation:

- Get my total AND per TL utilization down

- Pay my auto loan down further (currently 30% of original loan amount)

I already initiated BTs to my new TLs to lower util per TL. I'll pay down my auto loan to 9% or whatever this community has determined to be the best practice. Once my new TLs and CLI's begin reporting to the 3B, I'll take another swing at Marvel