NFCU cli denied

[Jnbmom]

Well both DH and I hit our 6 month mark since last increase on our Amex cards, his went from 18k-22k, all we asked for  and he got instant approval brining his total with them to 62K, I on the other hand got an under review and ultimately got denied, my total exposure 45K. 

Waiting on letter of course but I was honestly shocked I guess I am used to the 91/6 month routine and this really suprised me😕 I thought maybe max exposure but DH and I have same income and around same score so I am kinda baffled.  I still love navy and honestly 45K is way more than I need but , just when you think you have got their routine down so to speak, bamn you really dont😄

[pinkandgrey]

Sorry about the denial. What is with these lenders liking your hubby but not you lol

[Jnbmom]

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@pinkandgrey wrote:

Sorry about the denial. What is with these lenders liking your hubby but not you lol

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I know how dare them 😆😆😆

[AverageJoesCredit]

Sorry to hear . But over 100k in exposure is a great accomplishment.

[Jnbmom]

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@AverageJoesCredit wrote:
Sorry to hear . But over 100k in exposure is a great accomplishment.

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Oh I agree it's beyond incredible, but you know me I don't like to be baffled 😂😂

[Jnbmom]

Regarding the CLI denial, do I now have to wait another 6 months to make another request?

[AverageJoesCredit]

No, denials dont reset your time, only approvals. Maybe give it until the next 2 month AR to try again?

[Jnbmom]

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@AverageJoesCredit wrote:
No, denials dont reset your time, only approvals. Maybe give it until the next 2 month AR to try again?

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Thanks will do)

[AverageJoesCredit]

I didnt post it per se but i lost a hp trying to test the FS theory. Havent got my letter but i got the second most hurtful denial response ( after Sync's straight up rude response)...You dont meet our lending requirements🤯 Ah well, after a day of kicking myself for yet again wasting a hp, im back to anyhoo, always next time.

[Jnbmom]

Well got my letter, states that I recently had an increase?. I am very meticulous normally about these things, but maybe just maybe I was off by day??