cancel
Showing results for 
Search instead for 
Did you mean: 

I must be on a roll CLI Best Buy AGAIN!

Highlighted
Regular Contributor

I must be on a roll CLI Best Buy AGAIN!

So recently if you seen my post from about 2 weeks or so ago, you will know I took a hard pull for a best buy visa CLI. At the time I was stupid and applied when I was at $1800 of my $2000 limit. When I applied they told me to call in, so I did. They said they could approve me for $500, I said okay can it be higher? The rep said no that is the most I could get, so I took it. 

Fast forward to 5 days ago I ended up paying off the balance in full. I went to the website and applied for another CLI of 10k to match my NFCU Flagship card, wishful thinking. It didn't say I was denied, it said I had to call in. I called and they connected me to some department called "big ticket". I explained that I wanted a higher limit for a purchase, because I figured that is what they wanted to hear. They put me on hold and came back and said that I wasn't approved. I was kind of upset, but figured it make since because they just gave me $500 a few days ago. So then today, I started thinking, why would they have me call in, usually it would be an instant denial? So I went back to the site and applied again, this time asking for only an $1500 increase to $4000......INSTANT APPROVAL!!!! So i guess, they wanted to give me an increase because I paid it off, but $10k was too much to ask for. It wasn't anymore hard pulls either I guess because they had already pulled my report 2 weeks ago? 

So just to give a timeline, Applied and approved for the card Late July, with a SL of $2000, applied for a CLI 2 weeks ago and approved for $500 increase to $2500, applied for increase from $2500 to $10k 5 days ago and denied, Today applied for increase from $2500 to $4000, instant approval. 

I know sure if this is a YMMV situation but if you apply for a CLI and you are told to call in, and they deny you, you might want to consider going back and applying for a lower CLI than what you asked for. That way you don't take a hard pull for nothing.

ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 1 of 11
10 REPLIES 10
Highlighted
Community Leader
Mega Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Interesting because their denials are usually final. I accidently ,lol and grr, took a hp for a denied cli request with BB recently, maybe i should p them off by asking againSmiley Wink
Message 2 of 11
Highlighted
Regular Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Yes it was very odd. Is there a way I screen shot and share emails? That way you can see approvals and the dates. I thought it was odd but hey, I'll take it!
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 3 of 11
Highlighted
Senior Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Congrats on your CLI !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 11
Highlighted
Senior Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 11
Highlighted
Frequent Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Congratulations on your increase!!!!

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 720/EX - 717/TU - 720/Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $3,750/ Kohl's $5k / Barclay Rew $2,250 / Mercury MC $4,400 / NFCU Visa Sig Cash Rew $19,500 / Lowes $12k / Best Buy Visa $9,400/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom $1,500 /, Discover IT $16,500k / Discover IT Chrome $6k /Citi DC $7,200 / AMEX Everyday Preferred $2k / Citi Simplicity $7,600 / AMEX Gold/Citi Rewards $3k/Care Credit $5,750
Message 6 of 11
Highlighted
Valued Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Being persistent paid off. Congrats!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 7 of 11
Highlighted
Regular Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Wow this is great! And here I thought I had to wait until the 6 month mark to ask for a CLI on my BB card.

Nov 2019 EX 780, TU 760 EQ 752, June 2019 EX 778, TU 788, EQ 790 April 2019 FICO EX 802, TU 790, EQ 804, Oct 2018 Fico'd EX 817, TU 811, EQ 798
June 2018 Fico's EX 830, TU 817, EQ 824
PenFed Power Cash Rewards $17K (Jan 2018), Discover IT $20.5k(Jan 2018), Capital One $7500 (Aug 2014), Chase Freedom (PC from FU Jan 2019) $4500 (Jan 2018), Sam's Club MC$10000 (Jan 2018), BBVA $25K (Apr 2018) ,WF Propel 15.5k(Jul 2018), USB Cash+ $14K(Jul 2018), Citi Best Buy Visa Platinum $12k(Sept 2018) Digital Federal Credit Union $15k (Nov 2018) BBVA Compass ClearPoints $8100 (June 2019) Williams Sonoma Visa Comenity $2300 (July 2019) Discover it 2 $4.5k (Nov 2019)

Campus USA CU Auto Loan 85k (Aug 2018) BBVA Compass Express Loan $15k (Nov 2018), PenFed personal Loan $27k
Rebuilder Cards: First Permier $1250 closed (6/11/18), FNBO $2600( Nov 2006)

AAoA 2.8 years UT 8%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2.5k (Nov 2018) AMZN Store Card $8.5K (Jan 2019) Target RedCard &2.5k (Apr 2019) Walmart MC $4k (Sept 2019)
Message 8 of 11
Highlighted
Valued Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

Congrats on your CLI! Interesting on how it worked out but glad it did.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 9 of 11
Highlighted
Frequent Contributor

Re: I must be on a roll CLI Best Buy AGAIN!

I went for the Best Buy CLI.  My credit reports are all blocked.  They gave me a measly $900 increase w/o a pull.

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.