SECU denied CLI

[Anonymous]

I've been banking with SECU since 2015 and they still have not given me a CLI. Why?? I've never had a missed payment, don't go over my CL. What can I do? Looking to pay for a medical expense and have been denied by both CareCredit and Alphaeon.

[Raisondetre]

Since you're also getting denied for the other two, have you checked your credit reports? Any collections? High utilization on any cards? What are your FICO scores?

[FinStar]

Hi @Anonymous, welcome to the forums.

What were the reasons cited for being denied by SECU? What about CareCredit and Alphaeon, what reasons did they provide?

[Anonymous]

FICO in mid 600s. Low utilization. My score has gone up about 45 points in the last two weeks so I have no clue 

[Anonymous]

Waiting for the letters they're sending me in the mail with their reasoning :/

[FinStar]

Aside from the SECU card, what does the rest of your profile look like?

[Meanmchine]

What is holding down your scores?

[SEAlifer]

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@Meanmchine wrote:

What is holding down your scores?

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The more info you share the better the community can weigh in on your situation. On the surface, I'd just look elsewhere for a 0% intro APR card if your CU won't help you. Discover has often been a good bet for people with your score, not knowing many any other details.