topic Re: Nationwide: NO CLI EVER!!!! in Credit Cards

Nationwide: NO CLI EVER!!!!

Anonymous — Sat, 28 Apr 2012 21:12:22 GMT

So, I was approved on my recon for a nationwide visa--a $500.00 limit. I called to see if I could get a higher limit and the credit analyst said, "We will review your account and give you a CLI if your payment history is good." So, I thought that's great. I can grow the card.

However, I received the card in the mail today. I called to activate it and decided I would ask about a CLI before activation sicne they have such a great intro APR on purchases, automotive repairs and balance transfers. The customer care rep said, "I am sorry. Your account is not eligible for a CLI."

I said, "Oh, ok, but I can try for one in six months, correct?"

"No, your account is not eligible for CLIs," she replied.

"Wait, what? I can never ever have a CLI, "I asked.

"Yes, your account is not eligible for CLIs. Your credit limit will stay at $500."

I went on to explain what the credit analyst had told me before and the customer care rep said, "I am sorry you were given inaccurate information, but your account will not increase."

Are you serious? So, I spoke to about three other customer care reps, and they all said the same thing. Not just that I could not get a CLI right now, but never ever ever ever.

What's that all about? What should I do? Should I just keep the card inactivated and cancel it? Or should I try to speak with a credit analyst again on Monday? Are there other backdoor numbers for NW visa?

Thank you in advance.

Re: Nationwide: NO CLI EVER!!!!

Anonymous — Sat, 28 Apr 2012 21:44:15 GMT

Bump because this is really confusing me. Please help! Thanks guys.

Re: Nationwide: NO CLI EVER!!!!

android01 — Sat, 28 Apr 2012 22:28:30 GMT

Take everything a CSR says with a grain of salt. You could get an entirely different answer depending on who you talk to. I would wait 6 months or so, if you want to keep the card, then ask for a CLI. If you don't get one, then you'll have a different decision to make.

Re: Nationwide: NO CLI EVER!!!!

Anonymous — Sat, 28 Apr 2012 22:29:37 GMT

@android01 wrote:
Take everything a CSR says with a grain of salt. You could get an entirely different answer depending on who you talk to. I would wait 6 months or so, if you want to keep the card, then ask for a CLI. If you don't get one, then you'll have a different decision to make.

Ok, thank you.

Re: Nationwide: NO CLI EVER!!!!

haulingthescoreup — Sat, 28 Apr 2012 22:30:53 GMT

I was told this several years ago by a Barclay's rep for my B&N MC. It had a $500 CL, and she said that it would never be eligible for a CLI, no matter how wonderful I might be. I closed it then and there. The rewards weren't worth the irritation.

Re: Nationwide: NO CLI EVER!!!!

android01 — Sat, 28 Apr 2012 22:35:44 GMT

@Anonymous wrote:
@android01 wrote:
Take everything a CSR says with a grain of salt. You could get an entirely different answer depending on who you talk to. I would wait 6 months or so, if you want to keep the card, then ask for a CLI. If you don't get one, then you'll have a different decision to make.
Ok, thank you.

No problem! I would also strongly suggest to not apply for anything else for a while. Let what you have settle down, and then attack it from a position of strength!

Re: Nationwide: NO CLI EVER!!!!

afbar1114 — Sat, 28 Apr 2012 22:36:23 GMT

this is like bestbuy cards no matter what no CLI's along with CAP1.

Re: Nationwide: NO CLI EVER!!!!

Anonymous — Sat, 28 Apr 2012 22:38:59 GMT

Yeah, I just don't understand. I heard they gave great CLs, and wonderful CLIs. I don't know why the analyst would tell me one thing, first off. And if the CSRs are right, why would they choose to restrict me in such a way?

Re: Nationwide: NO CLI EVER!!!!

android01 — Sat, 28 Apr 2012 22:44:25 GMT

@Anonymous wrote:
Yeah, I just don't understand. I heard they gave great CLs, and wonderful CLIs. I don't know why the analyst would tell me one thing, first off. And if the CSRs are right, why would they choose to restrict me in such a way?

Was the CSR's name Peggy?

Re: Nationwide: NO CLI EVER!!!!

haulingthescoreup — Sat, 28 Apr 2012 22:46:42 GMT

@Anonymous wrote:
Yeah, I just don't understand. I heard they gave great CLs, and wonderful CLIs. I don't know why the analyst would tell me one thing, first off. And if the CSRs are right, why would they choose to restrict me in such a way?

Well, let's back up a bit. Why did you have to recon? Why did they deny you first time around?

Perhaps there's something on your reports that's normally fatal for new applicants, and an automatic denial, but they decided to let you in anyway upon recon, but with a permanent limitation on the CL. (Just pulling things out of the air here.)

Re: Nationwide: NO CLI EVER!!!!

Anonymous — Sat, 28 Apr 2012 23:26:59 GMT

@haulingthescoreup wrote:
@Anonymous wrote:
Yeah, I just don't understand. I heard they gave great CLs, and wonderful CLIs. I don't know why the analyst would tell me one thing, first off. And if the CSRs are right, why would they choose to restrict me in such a way?
Well, let's back up a bit. Why did you have to recon? Why did they deny you first time around?

Perhaps there's something on your reports that's normally fatal for new applicants, and an automatic denial, but they decided to let you in anyway upon recon, but with a permanent limitation on the CL. (Just pulling things out of the air here.)

Nope, actually, when I called back, the analyst said, "I actually do not understand why you were denied. I do not see anything on your reports that is bad other than school loans which are in deferrment. Let me talk to my risk manager and I'll get back to you."

Yes, one of the CSR's names was Peggy. Another was Pat and another was a guy.

Re: Nationwide: NO CLI EVER!!!!

android01 — Sun, 29 Apr 2012 01:09:16 GMT

@Anonymous wrote:
@haulingthescoreup wrote:
@Anonymous wrote:
Yeah, I just don't understand. I heard they gave great CLs, and wonderful CLIs. I don't know why the analyst would tell me one thing, first off. And if the CSRs are right, why would they choose to restrict me in such a way?
Well, let's back up a bit. Why did you have to recon? Why did they deny you first time around?

Perhaps there's something on your reports that's normally fatal for new applicants, and an automatic denial, but they decided to let you in anyway upon recon, but with a permanent limitation on the CL. (Just pulling things out of the air here.)
Nope, actually, when I called back, the analyst said, "I actually do not understand why you were denied. I do not see anything on your reports that is bad other than school loans which are in deferrment. Let me talk to my risk manager and I'll get back to you."

Yes, one of the CSR's names was Peggy. Another was Pat and another was a guy.

Well then that explains it. Hopefully you see the humor there....it's from a Capitol One commercial.

Re: Nationwide: NO CLI EVER!!!!

haulingthescoreup — Sat, 28 Apr 2012 23:45:19 GMT

Pretty sure it was a Discover commercial.

Although I wouldn't be a bit surprised if the commercial was hinting that Peggy worked for Cap One.

Re: Nationwide: NO CLI EVER!!!!

android01 — Sun, 29 Apr 2012 01:08:47 GMT

Ha! I stand corrected. It was a Discover commercial. Peggy most likely works for Capital One!