CSP App Declined! WF Propel CLI Approved.

[Anonymous]

@rafy023  Follow this link, post #5 in the thread will show you how to go about it.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Repo-DOFD/m-p/5977376#M614127

[rafy023]

Thank you, sir! Much appreciated. Also, silly question... How do you tag someone in your post? @ImTheDevil I tried just now and it didn't work. 

[Anonymous]

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@rafy023 wrote:

Thank you, sir! Much appreciated. Also, silly question... How do you tag someone in your post? @ImTheDevil I tried just now and it didn't work. 

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You're very welcome - I hope it goes off without a hitch for you as it did for me

As for the @ tag, currently that becomes possible when a user reaches the rank of Senior Contributor. Until then, if you want someone specifically tagged, you can ask in your post something like "could someone please tag _______ for me?" and anyone with the privileges can do so for you.

[rafy023]

Ah, okay. I've been trying to figure it out for a while lol. Thanks again! 

[Meanmchine]

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@Anonymous wrote:

Congrats on the CLI and I hope you have success with recon on the Chase card.

You may want to blow that late off your reports, and being that it was in July of 2013, you are in the window to have it removed via Early Exclusion on TU and EX both. I would definitely do that no matter what - get it outta there and have those two accounts clean!

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BINGO

[Wavester64]

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@rafy023 wrote:

On the bright side, before this I called Wells Fargo to see if i was eligible for a SP CLI. I asked for my $10k Propel to be increased to $15k and after a few questions they countered with $12,500, which I happily accepted. I guess not all is bad!

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Do all CLI request for WF Propel need to be done on the phone or can they be done online as well?
Can you confirm there definitely was not a HP for your CLI request?  

[randomguy1]

I would recon. I'm not particularly shy about negotiating though. My best guess is you did not wait long enough since your last application with Chase. Less than 30 days is a bit aggressive.

[MyFault]

Congrats on your CLI

[rafy023]

@Wavester64 I believe they do need to be done over the phone. I didn't see any tools/options for a CLI request on the website or app. There was no HP. The person I spoke to told me they would check if they can do a CLI and if they need to do a HP they would ask me first but I didn't get any HP so no harm in calling in and asking. They will ask you how much you want and they will counter if they can't approve you for the full amount.

@randomguy1 I tried the recon and was denied again... they really must not like me lol. I didn't have any recent Chase app previous to this though. I got my only personal Chase card 2 years ago (and a business Chase Ink last June). They didn't like my recent apps for other credit cards, which were two in December and 1 in January (about 3 months prior to applying for this card). Ah well, I'm moving past Chase... I was mostly interested in combining it with the FU I already have and hoping for a big CL so I can close out some other cards (and I liked that it's partially metal)... but I'll wait for my new cards to age more and see if something else I like comes up.

@MyFault Thank you!

[Anonymous]

Did you have a balance on you WF when you asked for the CLI? I am guessing I'm denied because the csr said I will get a notice after they're done reviewing. I do have a balance from current charges last week but I always PIF each month.