topic Re: asking for first ever CLI tomorrow!!! in Credit Cards

CLI Declined :(

jcstarkey8826 — Thu, 08 Nov 2012 17:44:40 GMT

any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

Hopefully I'll post a successful reply tomorrow!!!

Re: asking for first ever CLI tomorrow!!!

Creditaddict — Tue, 06 Nov 2012 21:21:49 GMT

@jcstarkey8826 wrote:
any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

Hopefully I'll post a successful reply tomorrow!!!

it's Chase $500 limit card you want to ask for the CLI on?

You have had it for 6 months or?

why are you waiting until tomorrow?

are you going to call directly in to back door number and speak with analyst while on phone? be best i think (HP) too though with Chase keep in mind.

Re: asking for first ever CLI tomorrow!!!

jcstarkey8826 — Tue, 06 Nov 2012 21:31:15 GMT

@Creditaddict wrote:
@jcstarkey8826 wrote:
any advice? Im nervous. my overall util is pretty high because of an engagement ring on a kays card, but ive never paid this card late and its at a $0 balance. Plus my chase card only has a $35 balance. Im hoping they dont decline it because I went over my limit 2 times. The card has such a tiny limit, it was hard not to, until I got set up on bill pay lol

Hopefully I'll post a successful reply tomorrow!!!
it's Chase $500 limit card you want to ask for the CLI on?
You have had it for 6 months or?
why are you waiting until tomorrow?
are you going to call directly in to back door number and speak with analyst while on phone? be best i think (HP) too though with Chase keep in mind.

no its through my charter one bank credit card. Ive had it for 9 months. Im waiting until tomorrow because I'll be at the 9 month mark, which is where they said I had to be before requesting it.

Re: asking for first ever CLI tomorrow!!!

Anonymous — Tue, 06 Nov 2012 23:19:12 GMT

Good luck

Re: asking for first ever CLI tomorrow!!!

jsickz32 — Tue, 06 Nov 2012 23:24:30 GMT

good luck bro!

Re: asking for first ever CLI tomorrow!!!

Epcot — Tue, 06 Nov 2012 23:57:19 GMT

Hope you get the increase, keep us posted!

Re: asking for first ever CLI tomorrow!!!

migliogiorni — Wed, 07 Nov 2012 00:15:22 GMT

congrats.

Re: asking for first ever CLI tomorrow!!!

creditnocash — Wed, 07 Nov 2012 04:05:59 GMT

yeah keep us posted.

from what i heard it will be a hard pull. so be prepared for that.

Re: asking for first ever CLI tomorrow!!!

Anonymous — Wed, 07 Nov 2012 06:17:14 GMT

still waiting

Re: asking for first ever CLI tomorrow!!!

Anonymous — Wed, 07 Nov 2012 12:13:04 GMT

Good Luck!

(And credit314....I like your signature line)

Re: asking for first ever CLI tomorrow!!!

jcstarkey8826 — Wed, 07 Nov 2012 14:23:41 GMT

today is the day!!! ahhh, Im so nervous, my other cards are reporting a balance and Im torn between letting them update with a low balance or just going for it today being that the CLI card is at a $0 balance.

Will do this on my lunch btw, a couple more hours to go

Re: asking for first ever CLI tomorrow!!!

Creditaddict — Wed, 07 Nov 2012 14:40:35 GMT

@jcstarkey8826 wrote:
today is the day!!! ahhh, Im so nervous, my other cards are reporting a balance and Im torn between letting them update with a low balance or just going for it today being that the CLI card is at a $0 balance.

Will do this on my lunch btw, a couple more hours to go

When Credit Lines are this low, you should be fine with a little util.

Re: asking for first ever CLI tomorrow!!!

jcstarkey8826 — Wed, 07 Nov 2012 16:47:02 GMT

ok, so I called and asked for the CLI. before we started the CSR said he would have to take some info and fwd it to a credit analyst, they will HP me and review my account to make the decision. He said I could check the status electronically by calling in, typically the decision takes 2-4 business days, or I can wait for the letter they send out which usually takes 7-10.

crossing fingers.

CLI Declined :(

jcstarkey8826 — Thu, 08 Nov 2012 17:49:48 GMT

after nine months of using this card with no lates and a $0 balance right now, I was declined. They couldnt tell me the reason, said I would get it in the mail, but Its very frustrating to wait 9 months for a NO. They didnt raise it one penny. I put about 12k through the card in 9 months and had to make multiple payments to it every week to keep using it. Waste of a HP!

The card will now be locked away in the safe deposit box. Sleep tight Charter One.

Re: CLI Declined :(

distantarray — Thu, 08 Nov 2012 18:09:53 GMT

never even heard of charter one it sounds like a very subprime card from what I see. You should've applied for Freedom card for an increase instead

Re: CLI Declined :(

jcstarkey8826 — Thu, 08 Nov 2012 18:18:48 GMT

@distantarray wrote:
never even heard of charter one it sounds like a very subprime card from what I see. You should've applied for Freedom card for an increase instead

Its actually my best card. Its just not wide spread company.

No AF, 1% on all purchases, 3% on my most used category. No overlimit fees. My favorite card, until now lol ive only had chase for one month, so didnt want to try yet.

Re: CLI Declined :(

guydiver — Thu, 08 Nov 2012 18:19:03 GMT

@jcstarkey8826 wrote:
after nine months of using this card with no lates and a $0 balance right now, I was declined. They couldnt tell me the reason, said I would get it in the mail, but Its very frustrating to wait 9 months for a NO. They didnt raise it one penny. I put about 12k through the card in 9 months and had to make multiple payments to it every week to keep using it. Waste of a HP!

The card will now be locked away in the safe deposit box. Sleep tight Charter One.

Sounds like a waste of time. You need to go another route and dump these people. Keep the card in good standing until you can build elsewhere. Good luck.

Re: asking for first ever CLI tomorrow!!!

tray — Thu, 08 Nov 2012 18:25:00 GMT

Sorry to hear about your declined request, if I was in your shoes I would wait until my balances are down and app for another card like chase/discover even if you get a low limit the card will grow with you eventually, good luck also if your scores are in the high 600's citi i think is a option also for a card like the platinium select.