Today I request a CLI on my AAviator MC. Credit services requested a hard pull so I went ahead and said why not. They pulled TU at 715 with 2 paid CO's reporting. Inital credit limit was $2.5K and was openened on 4/13. The guy asked me a bunch of questions about inquiries and CO's and Boom Approved to $7.5K. Did cost a hard pull. But I was honestly surprised.
Got a little macho and requested a CLI on my NFCU GoRewards which was open on 3/16 and was at 91 days with 3 statements cut. Went pending and they HP Equifax which is my lowest score sitting at 685 FICO08. Called them and spoke to lending and DENIED. No CLI for me. Always paid in full before the due date and carried a small balance on the statement. I was a disappointed but hey what you gonna do right?
Stats be low:
Score : 685 FICO 08
AAoA: 3 years 3 months
Inq: 12 in the last 24 and 8 in the last 6.
New accounts: 6 in 6 months.
Baddies: 2 paid CO's 2 years old
Reason for denial: Past delinquency and maximum unsecured loan amount granted.
Current Credit Limit: $12,5K
Can creditaddict or someone give me some insight?
The key reason for the denial would be this phrase here...
"maximum unsecured loan amount granted"
Give them more time and you'll get there. You have a great CL ($12.5k) with them though!