topic Re: Express Next CLI Declined in Credit Card Applications

Express Next CLI Declined

Anonymous — Fri, 04 Sep 2015 04:55:07 GMT

Got approved a week ago for Express store card via SCT.. Approved for $500 asked for CLI same day and got denied.. Just got letter stating that they would like to see payment history first. How much history do I need before CLI??

Thanks!!

Re: Express Next CLI Declined

Anomalous — Fri, 04 Sep 2015 04:59:08 GMT

It took about 6 months before I got my first CLI. Now I get them every two months. Hitting the luv button twice each time before getting the 7-10 day message.

Re: Express Next CLI Declined

Anonymous — Fri, 04 Sep 2015 05:19:09 GMT

Awesome Anomalous!! In 6 months I hope I have the same result.. Did you use card regularly?

Re: Express Next CLI Declined

Anomalous — Fri, 04 Sep 2015 14:21:28 GMT

@Anonymous wrote:
Awesome Anomalous!! In 6 months I hope I have the same result.. Did you use card regularly?

Yes, I use it often.

Re: Express Next CLI Declined

Anonymous — Fri, 04 Sep 2015 15:02:53 GMT

6-9 months seems to be the norm for Express (and most Commenity cards). You read things on these boards about immediate increases and every 30 days for some commenity cards...in reality most of us have to wait it out. I received my first bumps (on three cards) almost two months ago and have not received another. I have another Commenity card that isn't quite 6 months old yet and it is still being denied for increase and yet another that is almost 9 months and I haven't received anything.

Re: Express Next CLI Declined

Anonymous — Sun, 06 Sep 2015 02:02:43 GMT

Generally it helps to see some purchase and payment history before additional exposure is granted, This is usually a given.

Re: Express Next CLI Declined

kdm31091 — Sun, 06 Sep 2015 15:07:21 GMT

@Anonymous wrote:
Got approved a week ago for Express store card via SCT.. Approved for $500 asked for CLI same day and got denied.. Just got letter stating that they would like to see payment history first. How much history do I need before CLI??

Thanks!!

Well, if you lent someone $500, would you give them more the same exact day when they had shown no evidence of paying you back? Probably not.

Time and patience are your friend. Use it, pay it off. Use it, pay it off. You will probably have much better luck after 6 months of history.

Re: Express Next CLI Declined

Anonymous — Sun, 06 Sep 2015 17:32:12 GMT

I understand the concept of show and prove.. Since this a commenity account I figured it was worth a shot. I figured this only due to my experience with my Overstock account has consistently increased without me having to show & prove, but every account is different. I will teport back in about 6 months with Express.

Thanks!