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Truist CLI request

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markbeiser
Established Contributor

Re: Truist CLI request

I'll be waiting until I've had the cards for more than 12 months before I request a CLI with them.
I don't mind taking the HP when I do, I used a loophole to get 2 cards with them on a SP, so kinda owe them a HP anyway.

Back to gardening until Late February 2026.
Current FICO8:
Message 11 of 15
user979797
Established Contributor

Re: Truist CLI request

My request for a increase was denied and I will be getting a letter in 7 days letting me know the reason... now I wish I had waited the full 12 months Smiley Happy 

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Message 12 of 15
FinStar
Moderator Emeritus

Re: Truist CLI request

Keep us posted on the denial reason(s). Your DPs can help others in the community since there aren't a whole lot of DPs on TRUIST CLIs.

Message 13 of 15
hackersmovie
Contributor

Re: Truist CLI request


@FinStar wrote:

Keep us posted on the denial reason(s). Your DPs can help others in the community since there aren't a whole lot of DPs on TRUIST CLIs.


Having just got a Truist Enjoy Cash last month, I will be following this thead to find out...

Personal Cards: Total CL $88,700


Business Cards: Total CL $43,800


FICO 8: Equifax - 686 / Transunion - 727 / Experian - 678
FICO 9: Equifax - 659 / Transunion - 776 / Experian - 673
Message 14 of 15
user979797
Established Contributor

Re: Truist CLI request

Denial reason: Total of all balances on bankcard or revolving accounts is too high. Additional data point: it now shows I am not pre qualified for any of their cards when I was just 2 weeks ago.

 

I did recently utilize one of my cards limit by 39% from the usual 0% to take advantage of a balance transfer offer and I guess Truist did not like the larger than normal increase in my reported debt load (Over 5K extra). I'll try again after I have taken advantage of the offer and repaid most or all of the debt. I'll see if my pre approvals are back first and if they are then I will submit another CLI request and report what the outcome is at that time. 

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Message 15 of 15
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