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BECU CLI with Data points

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Regular Contributor

BECU CLI with Data points

BECU Visa Card CLI


Approved for Visa 15k and LOC 15k March 22, 2017

Called in yesterday and asked what requirements are for CLI on the Visa (LOC is at max CL)

Was told that ther is no "rule" with them re timing of eligiblilty but asked waht amount i wanted to request and what what my score was... Score 766Fico8. I said full 40k but don't want to be declined without a counter. She said rthey usually counter if profile supports it and my score was right on the line for the full 40k becaue their internal UW requires high 700's for max CL. I said let's go 35k. Instant approval. (I should have requested the full 40 lol. I sent a message this morning asking if they can consider the full 40k using the same pull.

At time of APP BECU Visa had a 1500 Bal, LOC had 1500 Bal

Overall Util around 7% (of 150k)

Highest CL prior to this 26.3k

8 new accounts under 12 mo's, 7 of thos around 6 mo's

7 inquiries last 12 mo's

No Neg's on report


Hope this helps someone


Update: they sent msg back and increased the cl to the full 40k


Message 1 of 7
Valued Contributor

Re: BECU CLI with Data points

Very helpful indeed thanks and very well done J

Profile Worth 1.9M+
"Be Stronger Than Your Strongest Excuse"
Message 2 of 7
New Contributor

Re: BECU CLI with Data points

Which bureau do they use
Message 3 of 7
Super Contributor

Re: BECU CLI with Data points

Thanks for sharing those data points on this CU. Good info


Congrats! on your new CLI approval!

Message 4 of 7
Regular Contributor

Re: BECU CLI with Data points


Message 5 of 7
Regular Contributor

Re: BECU CLI with Data points

Thank you!

Message 6 of 7
Super Contributor

Re: BECU CLI with Data points

Nice job !

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

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- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
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Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

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Message 7 of 7
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