topic Re: Racked up a few CLI denials in Credit Card Applications

Racked up a few CLI denials

PullingMeSoftly — Thu, 25 Apr 2024 18:30:29 GMT

Sharing a few recent L's for the DP's:

1) Amex Hilton Surpass CLI - Denied: Over 6 months since my last increase (on my BCP), and 4 months since opening the account. Current limit is $16,400, requested $25k. Overall Amex profile is $66,400 (not including Gold's 20k POT) which seems to be very conservative for reported income. Had to submit IV...no dice.

2) Citi Custom Cash CLI - Denied: 6 months since last increase, denial reason given is for inq's (2/6, 2/12 on EX).

3) Citi Premier CLI - Denied: 4 months since opening the account, same denial reason cited.

4) Didn't try on my Costco card given the outcomes above

Also still in new accounts territory too at 4/6, 4/12, 8/24...gardening heals all wounds.

Re: Racked up a few CLI denials

NoHardLimits — Thu, 25 Apr 2024 18:33:21 GMT

Sorry to hear about the denials, but thanks for the data points.

Re: Racked up a few CLI denials

Meanmchine — Thu, 25 Apr 2024 22:20:25 GMT

On the bright side ......

Gimme a second, Im thinking

Sorry for denials

Re: Racked up a few CLI denials

CorpCrMgr1 — Fri, 26 Apr 2024 01:48:06 GMT

Unfortunately, you may be suffering from too good of credit. Your scores are great. You have a lot of cards. This reasoning was posted when I stated of not getting any offers.

Re: Racked up a few CLI denials

keekers — Fri, 26 Apr 2024 03:00:21 GMT

Bummer.

Re: Racked up a few CLI denials

FicoMike0 — Fri, 26 Apr 2024 03:20:46 GMT

Sorry about denials.

Thanks for data.

Re: Racked up a few CLI denials

reluctantgarden — Fri, 26 Apr 2024 21:49:54 GMT

@CorpCrMgr1 wrote:
Unfortunately, you may be suffering from too good of credit. Your scores are great. You have a lot of cards. This reasoning was posted when I stated of not getting any offers.

Another member for our club!

Re: Racked up a few CLI denials

Wu-Credit — Mon, 29 Apr 2024 03:28:58 GMT

Sorry for the denials. I've been in denial territory with all my cards as well. Multiple love button denials in the last six months, on all that have the option without a HP. But they've been followed up with new approvals instead

Re: Racked up a few CLI denials

Aim_High — Tue, 30 Apr 2024 22:06:19 GMT

Sorry for your denials, @PullingMeSoftly. Still, I had to chuckle since if I posted about all my denied requests, I'd be posting a lot more often! Lol I don't hesitate to push the big button, even when I know approval is unlikely. In the past year, I've randomly tried with Capital One, Discover, CITI, Synchrony, Bank of America, and Chase with mostly denials but occasional approvals. I've even tried when I know I'm not yet eligible, such as less than six months since last CITI approval. Just for grins and data points.

Nothing ventured, nothing gained, right?

Re: Racked up a few CLI denials

Meanmchine — Tue, 30 Apr 2024 23:58:29 GMT

@Aim_High wrote:
I've even tried when I know I'm not yet eligible, such as less than six months since last CITI approval. Just for grins and data points.

Nothing ventured, nothing gained, right?

Been there, apped that

For me tho, its apping for a Barclays credit card while being a life long member of their blacklist club

Sorry again PullingMe