topic Re: Bill Me Later - Using old CR in Credit Cards

Bill Me Later - Using old CR

Fresh-Start — Tue, 14 Jan 2014 16:10:32 GMT

To those in the forum with BML:

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October! Is this normal? Do they ever do a sp to check current status? Just curious...

Re: Bill Me Later - Using old CR

myjourney — Wed, 15 Jan 2014 01:07:43 GMT

Bump for help

Re: Bill Me Later - Using old CR

Mike360 — Wed, 15 Jan 2014 01:53:29 GMT

Took me about 6 months before they would give me a increase. I also was denied twice before getting the increase.

Re: Bill Me Later - Using old CR

PleioneG — Wed, 15 Jan 2014 03:20:21 GMT

They're with a new lender now, yes?

Re: Bill Me Later - Using old CR

FinStar — Wed, 15 Jan 2014 06:53:10 GMT

@PleioneG wrote:
They're with a new lender now, yes?

Correct. Comenity Capital Bank.

Re: Bill Me Later - Using old CR

Anf_dude — Wed, 15 Jan 2014 14:36:33 GMT

@Fresh-Start wrote:
To those in the forum with BML:

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October! Is this normal? Do they ever do a sp to check current status? Just curious...

I Was Denied 2 Increases As Well, But Never Got A Letter Stating Why.?

Re: Bill Me Later - Using old CR

Fresh-Start — Wed, 15 Jan 2014 16:42:42 GMT

@Anf_dude wrote:
@Fresh-Start wrote:
To those in the forum with BML:

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October! Is this normal? Do they ever do a sp to check current status? Just curious...
I Was Denied 2 Increases As Well, But Never Got A Letter Stating Why.?

Thanks all for responding!

Glad to know I'm not the only one. So maybe the pattern is after six months I may be approved...we'll see. But yes, I do get a letter via email shortly have the denial with the reason's and my credit score and the date of the credit report they used. Not sure if it makes a difference, but I am signed up to get statements and other notifications via email.

Re: Bill Me Later - Using old CR

improvingmycredit — Wed, 15 Jan 2014 16:49:33 GMT

@Fresh-Start wrote:
To those in the forum with BML:

I was denied a CLI increase (attempted to purchase something over my current CL) twice by BML and when I receive the email as to why, they are using a CR from October! Is this normal? Do they ever do a sp to check current status? Just curious...

Hey Fresh-Start!

I believe that BML, like Amex uses the most recent SP of your CR to determine approval status. A lot on this forum believe that the SP takes place at the time of request but this isn't alway true. I don't know the frequency by which BML accesses your file to determine approval. I'm thinking every 6 months or so.