My last CLI with Disco was long time ago, in a galaxy far away, so I figured it was time to ask so they can deny me.
No big deal, we've been playing that game for a while...me wanna, they don't.
It typically results in me being inexperienced at my current limit, and wasted sheet of paper.
Well, this time denial reasons are different to say the least
As far as first reason, yup, there is personal loan. It was supposed to make Fico happy, and it did. I interpreted that as "If you need PL, you must be struggling". Okay, fair enough. They cannot read my mind, so I can see where they would be coming from.
Second reason is a bit more of head scratcher. Both PL and auto loan are around 70% because I made extra payments. If I only did scheduled payments, both would be in 90% range still.
Third reason..I don't have an active mortgage since my house is paid off, but I have 3 paid off mortgages.
Anyway, last March they gave me 0% promo for a year, and it currently has about $1650 in terms of balance. I've been paying $200.00 per month, until May when I'll pay it off.
I'm under impression they are telling me my balance on their card should be going down faster.
The reason I think that is I've asked for CLI when both loans were fully utilized, and denial was inexperience blah blah blah.
If there was a time to scold me over loans, it would have been then.
My aggregate utilization is under 3%, currently 4 out of 14 cards reporting balances, none over 5%.
DTI isn't even 1%.
Oh well. They still aren't getting their money before May.
@Remedios wrote:I mean, I wouldn't give me an increase, either, but for a completely different reason.
They should create "No ostrich for you" and "Insufficient experience with otters" just for me.
I'm surprised they haven't given you that reason yet! Give it time and it probably will happen
Hell, I get the "you screwed us over years ago but we will give you a card just to make you sit in the corner and think about your life decisions"