DCU CLI Decline

[UFGuy2006]

I recently was approved for an auto loan with the awesome DCU rate. I figured I'd ask about a CLI on my DCU visa.... they can use the same pull up to 45 days from the auto loan. Long story short it was a big fat decline. I'll update this thread when I get the letter.

[Anomalous]

The positive is the auto loan approval. Congrats!

[Anonymous]

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@UFGuy2006 wrote:
I recently was approved for an auto loan with the awesome DCU rate. I figured I'd ask about a CLI on my DCU visa.... they can use the same pull up to 45 days from the auto loan. Long story short it was a big fat decline. I'll update this thread when I get the letter.

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Sorry for your denial but I noticed from your signature that you have 7 Citi cards.  They must love you.

[UFGuy2006]

Thanks for the positive vibes! Looks like denied due to the fact my DCU visa is not a year old yet. Weird.

[lvallejox]

So does DCU VISA need to be 1yr old for a CLI ? Can anyone confirm ? I was gonna HP at six months.

[Imperfectfuture]

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@UFGuy2006 wrote:

Thanks for the positive vibes! Looks like denied due to the fact my DCU visa is not a year old yet. Weird.

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My CU just upped my limit, but 5 days of underwriting, and wouldn't lower my apr.  Some CU,s are more conservative than others.  This CU likes 2 years of history, which I don't really have yet.  Wait a couple more years, then give them a go.

[Jamex]

I have a DCU Visa and an auto refi through them. When I was researching them on these forums I came across a couple posts that said they only offer CLIs after a full year, so I'd recommend waiting. (6 more months for me).

[ilovelisa]

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@lvallejox wrote:
So does DCU VISA need to be 1yr old for a CLI ? Can anyone confirm ? I was gonna HP at six months.

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My DCU is 5 months old. I just asked for a CLI and they approved it from $1000 to $4300, and they converted my card to the rewards version.

[rebuildingincb]

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@ilovelisa wrote:

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@lvallejox wrote:
So does DCU VISA need to be 1yr old for a CLI ? Can anyone confirm ? I was gonna HP at six months.

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My DCU is 5 months old. I just asked for a CLI and they approved it from $1000 to $4300, and they converted my card to the rewards version.

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I'm curious where your scores were and what your DCU balance is. I just passed a year with an Auto Loan and a $3500 card, but it carries a balance. Was thinking if I got it under 50% I could ask for a CLI. 

[ilovelisa]

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@rebuildingincb wrote:

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@ilovelisa wrote:

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@lvallejox wrote:
So doesDCU VISA need to be1yr old for aCLI ? Can anyone confirm ? I was gonna HP at six months.

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My DCU is 5 months old. I just asked for a CLI and they approved it from $1000 to $4300, and they converted my card to the rewards version.

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I'm curious where your scores were and what your DCU balance is. I just passed a year with an Auto Loan and a $3500 card, but it carries a balance. Was thinking if I got it under 50% I could ask for a CLI. 

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My scores were in the 720s-730s. I also was not carrying a balance.