topic Re: SECU denied CLI in Credit Card Applications

SECU denied CLI

Anonymous — Wed, 18 Sep 2019 23:57:25 GMT

I've been banking with SECU since 2015 and they still have not given me a CLI. Why?? I've never had a missed payment, don't go over my CL. What can I do? Looking to pay for a medical expense and have been denied by both CareCredit and Alphaeon.

Re: SECU denied CLI

Raisondetre — Thu, 19 Sep 2019 00:55:35 GMT

Since you're also getting denied for the other two, have you checked your credit reports? Any collections? High utilization on any cards? What are your FICO scores?

Re: SECU denied CLI

FinStar — Thu, 19 Sep 2019 01:30:33 GMT

Hi @Anonymous, welcome to the forums.

What were the reasons cited for being denied by SECU? What about CareCredit and Alphaeon, what reasons did they provide?

Re: SECU denied CLI

Anonymous — Thu, 19 Sep 2019 01:01:22 GMT

FICO in mid 600s. Low utilization. My score has gone up about 45 points in the last two weeks so I have no clue

Re: SECU denied CLI

Anonymous — Thu, 19 Sep 2019 01:02:31 GMT

Waiting for the letters they're sending me in the mail with their reasoning :/

Re: SECU denied CLI

FinStar — Thu, 19 Sep 2019 01:31:31 GMT

Aside from the SECU card, what does the rest of your profile look like?

Re: SECU denied CLI

Meanmchine — Thu, 19 Sep 2019 02:08:12 GMT

What is holding down your scores?

Re: SECU denied CLI

SEAlifer — Thu, 19 Sep 2019 02:13:57 GMT

@Meanmchine wrote:
What is holding down your scores?

The more info you share the better the community can weigh in on your situation. On the surface, I'd just look elsewhere for a 0% intro APR card if your CU won't help you. Discover has often been a good bet for people with your score, not knowing many any other details.