Capital One - CLI Denial - Input Please!

[Anonymous]

Ok, I have 2 cards both opened in mid November. I tried the luv button after the 3rd statement cut on the first account. Denial, "account too new" so my assumption is to wait 91 days. Has anyone ever experienced to where they wanted exactly so many days?

Next account, this is the tricky one. I sent in a few disputes. When they arrived I continued to receive monitoring alerts that accounts were being notated/updated. I'm assuming that the items were in dispute. I didn't even think twice about it. Hit the luv button on that account and the denial was only 1 reason. "The Credit Bureau Reported a recent delinquency." WHAT THE HECK? I have no recent late payments, missed payments or anything reporting. Everything is reporting as IIB as it should now. Any ideas what might be happening? Would requesting a manual review for the CLI help? I run a ton through the cards, always hasn't played 10 x the required payment, most the time now AND both cards are at $0. Help! Lol. Thanks!

[dragontears]

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@Anonymous wrote:
Ok, I have 2 cards both opened in mid November. I tried the luv button after the 3rd statement cut on the first account. Denial, "account too new" so my assumption is to wait 91 days. Has anyone ever experienced to where they wanted exactly so many days?

Next account, this is the tricky one. I sent in a few disputes. When they arrived I continued to receive monitoring alerts that accounts were being notated/updated. I'm assuming that the items were in dispute. I didn't even think twice about it. Hit the luv button on that account and the denial was only 1 reason. "The Credit Bureau Reported a recent delinquency." WHAT THE HECK? I have no recent late payments, missed payments or anything reporting. Everything is reporting as IIB as it should now. Any ideas what might be happening? Would requesting a manual review for the CLI help? I run a ton through the cards, always hasn't played 10 x the required payment, most the time now AND both cards are at $0. Help! Lol. Thanks!

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When negative accounts get updated even though the DoFD did not change frequently computer programs, such as those used to request CLI, will see them as "new" delinquency

[Anonymous]

Ok. So will it appear as if I have a "new" delinquency for the next 12 months? How should I approach this?

[My_Fako]

I'm in the same boat. Verizon just updated which they haven't done so in over 2 years. Scores took a ten point hit. And now my Chase pre qualifiers are now gone. 😡

[Anonymous]

For myself and my DW, it was EXACLTY 80 days from account opening for three Venture / VentureOne accounts until they were eligible. I was denied on two, and she was approved for the CLI on her Venture.

None of the three accounts were near any statement milestones either. It was definitely an opening date + days requirement or maybe activation date + 70 days.

[Anonymous]

Any other advice?