topic Re: CLI → CLD? in Credit Cards

CLI → CLD?

DigitalArk — Wed, 25 Sep 2013 22:28:25 GMT

Did it ever happen to you that when you requested a CLI, you got a CLD instead after the bank/credit union reviewed your credit reports?

Re: CLI → CLD?

Anonymous — Wed, 25 Sep 2013 22:31:30 GMT

Hasn't happened to me yet, but this scenario is possible

Re: CLI → CLD?

Creditaddict — Wed, 25 Sep 2013 22:33:51 GMT

this happened back in the day with Bank of America but I have not really heard lately by anyone.

Re: CLI → CLD?

DigitalArk — Wed, 25 Sep 2013 22:36:19 GMT

It has not happened to me yet, nor do I want it to happen to me. I am just curious.

Re: CLI → CLD?

youngandcreditwrthy — Wed, 25 Sep 2013 22:43:18 GMT

Has not happened to me either. However a lender may deem you high-risk if you ask for CLIs excessively

Re: CLI → CLD?

Anonymous — Wed, 25 Sep 2013 22:47:12 GMT

Depends on how often the creditor SP you. If they don't regularly SP you, they may be in for a surprise when they SP / HP during a CLI request.

Re: CLI → CLD?

Anonymous — Thu, 26 Sep 2013 00:40:07 GMT

Haoppened to me when Firestone had online requests for cli

Re: CLI → CLD?

DigitalArk — Thu, 26 Sep 2013 03:02:23 GMT

@Anonymous wrote:
Haoppened to me when Firestone had online requests for cli

Wow!

Re: CLI → CLD?

Anonymous — Thu, 26 Sep 2013 05:29:54 GMT

I've asked for CLI's and gotten declined. Then I try to recon and UW says no way. Basically looks at the report wondering how I even got approved for the card in the first place. They have yet to CLD me though.

Re: CLI → CLD?

Anonymous — Thu, 26 Sep 2013 06:06:43 GMT

Only Barclays will do something like that

Re: CLI → CLD?

namvet — Thu, 26 Sep 2013 13:28:33 GMT

I've read many posts about CFNA/Firestone doing a CLD at a request for a CLI.

Re: CLI → CLD?

DigitalArk — Thu, 26 Sep 2013 17:55:38 GMT

@namvet wrote:
I've read many posts about CFNA/Firestone doing a CLD at a request for a CLI.

Good to know. I'll avoid CFNA/Firestone.