topic Re: Dillards Amex CLI DECLINED in Credit Cards

Dillards Amex CLI DECLINED

Creditaddict — Wed, 25 Nov 2009 23:11:10 GMT

I don't know what they want from me, have had this car for year and half and have got one $200 CLI, I have charged over $10,000 on the card with my measly $2400 limit. Every time I request they say I have not shown I can handle current CL, ARE YOU KIDDING ME GE!

Re: Dillards Amex CLI DECLINED

Jazzzy — Fri, 27 Nov 2009 03:37:05 GMT

@Creditaddict wrote:
I don't know what they want from me, have had this car for year and half and have got one $200 CLI, I have charged over $10,000 on the card with my measly $2400 limit. Every time I request they say I have not shown I can handle current CL, ARE YOU KIDDING ME GE!

Do they mean the CL on THIS card? I'm assuming you're dealing with Dillards here, and not AmEx, right?

Do you have any cards that are maxed out or anything else they may not like? Do you have a lot of inquiries? Have they sent you a letter telling you anything else?

It seems there must be something else underlying this.

Re: Dillards Amex CLI DECLINED

Creditaddict — Fri, 27 Nov 2009 03:39:35 GMT

Yes the Dillards card is backed by GE. CLI are based on account history not credit.

Re: Dillards Amex CLI DECLINED

Jazzzy — Fri, 27 Nov 2009 03:42:52 GMT

Have you ever tried asking them exactly what it is they want to see? What you may be doing "wrong"?

Sure doesn't seem as if you're doing anything wrong...

Re: Dillards Amex CLI DECLINED

Anonymous — Fri, 27 Nov 2009 03:47:42 GMT

I don't think anyone has ever figured out exactly what GEMB is looking for. They are inscrutable.

Re: Dillards Amex CLI DECLINED

score_building — Fri, 27 Nov 2009 04:48:41 GMT

Creditaddict wrote:
I don't know what they want from me, have had this car for year and half and have got one $200 CLI, I have charged over $10,000 on the card with my measly $2400 limit. Every time I request they say I have not shown I can handle current CL, ARE YOU KIDDING ME GE!

i get the same response from GEMB if i don't wait at least four months between requests.

Re: Dillards Amex CLI DECLINED

Creditaddict — Fri, 27 Nov 2009 06:56:04 GMT

I wait 6 months!

Re: Dillards Amex CLI DECLINED

Anonymous — Fri, 27 Nov 2009 15:59:58 GMT

@score_building wrote:
@Creditaddict wrote:
I don't know what they want from me, have had this car for year and half and have got one $200 CLI, I have charged over $10,000 on the card with my measly $2400 limit. Every time I request they say I have not shown I can handle current CL, ARE YOU KIDDING ME GE!

i get the same response from GEMB if i don't wait at least four months between requests.

IME, GEMB isn't consistent on all accounts. I believe, based upon my experience, that the store they are backing has some factor in how they handle CL's and CLI's.

For example: My first GEMB account was Roos to Go and I aked for $7500 CL and they gave me $6500. But on Care Credit, app'ed a couple months later I asked for $12,500 and was instant approved....next day they gave me a CLI to $14,000.

But, on JCPenney they gave me $350 CL and pulled TU where the others had been EQ. After 4 months they did give me a $1500 CLI, but in comparison to my other two GEMB accounts...very low and Rooms was less than half of what Care Credit was.

I do know that when a bank or CCC offers a store card, there are "recourse" and "non-recourse" accounts. The store can get a better deal on merchant discounts and other costs if they agree to the "recourse" type of account, which means if you default the finance company can come back on the store for recovery. If this is the case, then the store may elect a "more conservative" type account with the CCC.

Re: Dillards Amex CLI DECLINED

Red1Blue — Fri, 27 Nov 2009 19:19:56 GMT

Creditaddict, when you got the card did you get the dillards amex or did you get the store card and then later upgraded to dillards amex? I have a store card. Do you think they will upgrade to amex some time in the future?

Re: Dillards Amex CLI DECLINED

Creditaddict — Fri, 27 Nov 2009 22:22:13 GMT

We started with the Dillards American Express, but originally applied online and I think we would have gotten better CL if applied in store. Not sure what you have to do to qualify for the upgrade to the Amex card.

Re: Dillards Amex CLI DECLINED

Creditaddict — Tue, 01 Dec 2009 02:05:54 GMT

Got letter today and it looks like they pulled credit. WTF, since when does GE hard pull for CLI. I hate them, if I didn't need open CL, I would close all my GE cards

Re: Dillards Amex CLI DECLINED

Creditaddict — Mon, 14 Dec 2009 20:16:53 GMT

OMG GE, got letter today saying sorry we declined your CLI last month, that was an error, we have increased your CL to $2500, REALLY a $100! I got some words for you GE but I will keep them to myself!!!

Re: Dillards Amex CLI DECLINED

Anonymous — Mon, 14 Dec 2009 20:41:10 GMT

@Creditaddict wrote:
OMG GE, got letter today saying sorry we declined your CLI last month, that was an error, we have increased your CL to $2500, REALLY a $100! I got some words for you GE but I will keep them to myself!!!

Did I get this right? A hard pull for a $100 CLI? Frankly I would rather be turned down. Were it me I would be calling them for a recon and choking back my desire to give them a piece of my mind!

Re: Dillards Amex CLI DECLINED

Creditaddict — Mon, 14 Dec 2009 20:45:37 GMT

oh right, thanks for reminding me about the hard inq... but actually come to think of it, I didn't receive any hards on my credit, but the account is a joint, wonder if that's like Macy's system that sometimes sends letters that look like hard pulls, but they are soft. So either they just hit primary credit or it was just a soft like it's suppose to be. Either way $100 is just stupid especially if you look at my account history, I have never carried a balance on it

Re: Dillards Amex CLI DECLINED

Anonymous — Mon, 14 Dec 2009 20:48:27 GMT

No hard INQ would spare them the piece of my mind. However, I'd still be calling!

Re: Dillards Amex CLI DECLINED

Creditaddict — Mon, 14 Dec 2009 20:50:31 GMT

really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day

Re: Dillards Amex CLI DECLINED

Anonymous — Mon, 14 Dec 2009 20:57:27 GMT

@Creditaddict wrote:
really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day

Like your own? Just another reason why I avoid GEMB like the plague!

If you don't call be sure to try again in six months!

Re: Dillards Amex CLI DECLINED

DI — Mon, 14 Dec 2009 21:10:59 GMT

@Creditaddict wrote:
really I like to call GE as little as possible, the employees seem to have no control over computer decisions, so it just gets me mad at an employee that can't do anything so it's just better if I don't call so I don't ruin someones day

that's what they get paid for. When I worked part-time as a CSR for an energy company, I got the worse side of people every day. I had to listen to people beg, cry and use profanity against me. There were many times I had to hold my breath to keep from laughing.

So in other words, I doubt you wold ruin someone's day. They more than likely use to it.