Oh well not a good month to request CLI's, got denials right, left, and center LOLOLOL. Was granted 2 out of 7 but I'm still kinda salty.
AMEX: denied @ 180 days for "debt too high" although my util was about 9% - 11%
. Will need to wait 90 days
Citi: denied at 6 months after account opening for "having too many new accounts"
UPDATE 10-01-2016: Logged on today hit that luv button again and they gave me a $1200 increase
NavyFed: wants to HP, ummmmm that's a NO from me (I'm gardening)
SaksFirst: wasn't denied but was asked to take bank statements to the nearest store. I am @ $28,000 and I requested $40,000. Opened account @ $1500 in March 2016 and has been getting increases just about every 30 days since.
Neiman Marcus: Started @ $700 February 2015 (didn't start getting CLI's until the acct turned 1yr) DENIED because they've been granting CLI's every 30 days for several months and this time they've noted my account that I CAN'T get another CLI until September 1, 2017
. Thankfully that card now sits @ $25,000.
However, I did get $500 from Discover and $1000 from Cap1. I will give CLI's a rest and let the accounts I added 6 months ago age for another 6 months before I start asking again. Looks like my every 30 days gravy train for Saks and NM has ended LOL. It was good while it lasted 
@DoroLucky wrote:Oh well not a good month to request CLI's, got denials right, left, and center LOLOLOL. Was granted 2 out of 7 but I'm still kinda salty.
@Anonymous: denied @ 180 days for "debt too high" although my util was about 9% - 11%
Citi: denied at 6 months after account opening for "having too many new accounts"
NayFed: wants to HP, ummmmm that's a NO from me (I'm gardening)
@SaksFirst: wasn't denied but was asked to take bank statements to the nearest store. I am @ $28,000 and I requested $40,000. Opened account @ $1500 in March 2016 and has been getting increases just about every 30 days since.
@Anonymous Marcus: Started @ $700 February 2014 DENIED because they've been granting CLI's every 30 days for several months and this time they've noted my account that I CAN'T get another CLI until September 1, 2017@
However, I did get $500 from Discover and $1000 from Cap1. I will give CLI's a rest and let the accounts I added 6 months ago age for another 6 months before I start asking again. Looks like my every 30 days gravy train for Saks and NM has ended LOL
@DoroLucky Sorry to hear about the denials. It's almost shocking especially when you get some many approvals when a denial finally comes. Question, do you know which credit bureau Citi uses for CLI requests?
@credit_endurance wrote:@DoroLucky Sorry to hear about the denials. It's almost shocking especially when you get some many approvals when a denial finally comes. Question, do you know which credit bureau Citi uses for CLI requests?
Thanks BC....Well that's why my butt is in the garden. For me I'm sure they soft pulled EQ but it really doesn't matter because my reports are all frozen.
@DoroLucky wrote:Oh well not a good month to request CLI's, got denials right, left, and center LOLOLOL. Was granted 2 out of 7 but I'm still kinda salty.
@Anonymous: denied @ 180 days for "debt too high" although my util was about 9% - 11%
Citi: denied at 6 months after account opening for "having too many new accounts"
NavyFed: wants to HP, ummmmm that's a NO from me (I'm gardening)
@SaksFirst: wasn't denied but was asked to take bank statements to the nearest store. I am @ $28,000 and I requested $40,000. Opened account @ $1500 in March 2016 and has been getting increases just about every 30 days since.
@Anonymous Marcus: Started @ $700 February 2015 (didn't start getting CLI's until the acct turned 1yr) DENIED because they've been granting CLI's every 30 days for several months and this time they've noted my account that I CAN'T get another CLI until September 1, 2017@
However, I did get $500 from Discover and $1000 from Cap1. I will give CLI's a rest and let the accounts I added 6 months ago age for another 6 months before I start asking again. Looks like my every 30 days gravy train for Saks and NM has ended LOL
American Express is always concerned on how much debt they are fighting against. They like to be the main card and when they see what you have they like tro freak.
Citi has always been inquiry sensitive. They are not too concerned about how much they extend to you but they dont like lots of inquiries since it makes them feel like you might be despirate.
Navy Federal CU likes their hard pulls just like any CU. I just recently got a FedEx Employee Credit Association savings account and that was a HP.
SaksFirst has been very generous so its not a surprise that you hit a limit. Getting CLI's every 30 days is pushing your exposure quite a bit quite fast.
Nelman Marcus is similar to SaksFirst in the exposure was increasing really fast.
Discover plays it fast and loose with SP CLI's making it a zero loss game so it is not suprising you got that.
Capitol One also does SP CLI's but makes sure they are computer only and really like to see use so not a surprise you got that. They also dont look at what other people are lending you unless you are openning your account. That is the only time they might match your highest.
All in all I think it is not the month but the fact that you are approaching the max confort level of your lenders.
@Aduke1122 wrote:
Sorry to hear of the denials with CLI , but hey you got two of them so that's always a good thing , also how long have you had your Navy Fed acct bf you asked for CLI , is this the first try?
I've had NavyFed since Jan 2016 and this is not my first try. I have gotten an $800 increase thus far (I think April). Since then, I've asked several times and they keep requesting a HP and I do not want that right now.
@zerofire wrote:American Express is always concerned on how much debt they are fighting against. They like to be the main card and when they see what you have they like tro freak.
Citi has always been inquiry sensitive. They are not too concerned about how much they extend to you but they dont like lots of inquiries since it makes them feel like you might be despirate.
Navy Federal CU likes their hard pulls just like any CU. I just recently got a FedEx Employee Credit Association savings account and that was a HP.
SaksFirst has been very generous so its not a surprise that you hit a limit. Getting CLI's every 30 days is pushing your exposure quite a bit quite fast.
Nelman Marcus is similar to SaksFirst in the exposure was increasing really fast.
Discover plays it fast and loose with SP CLI's making it a zero loss game so it is not suprising you got that.
Capitol One also does SP CLI's but makes sure they are computer only and really like to see use so not a surprise you got that. They also dont look at what other people are lending you unless you are openning your account. That is the only time they might match your highest.
All in all I think it is not the month but the fact that you are approaching the max confort level of your lenders.
Thanks so much for your input. BTW, I tried CITI this morning and to my suprise they gave me a $1200 increase
I agree Saks and NM have been very generous. I will leave them alone for now
As for Amex, I will try again on day 91 from my last denial