TJ Maxx Approval after recon, but no CLI

[Jesi]

Kind of confused here. My husband and I have brought our scores up SIGNIFICANTLY in the past year. We never had bad things, just weren't able to build credit. As much as everyone hates Credit One, they are the reason we are where we are today. That was the first company that gave us a VISA. Anyhow, my husband in the past year has gotten some Comenity and Synchrony store cards. His scores must be decent enough in their eyes because after he has gotten these cards, they were all measly limits like $300. We have been able to get them all increased to $3500 to $4000 each. His Pier One is the highest so far, that one is at $5350. Almost all of his cards have a $0 balance or very small like $100. After he got approved by the recon line for the TJ Maxx card he applied for asked for a CLI both by the button and by phone, denied on both. He has a $300 limit. Anyone have any clue as to why? We didn't always wait to ask for a CLI on the other Synchrony cards and I find it odd that the few others he has they gave such large limits to and this one, the one we will probably use most, they refuse.

[Anonymous]

Congratulations!! I don't know why the denial on the CLI, but just give it time and I'm sure it'll grow!

[RonM21]

Congrats! There can be many factors playing a part in the denials. You said the scores were up, so the first questions that comes to mind are what are the scores? Income?

Without knowing more detail it is hard to nail down. What I'd do is start with only carry.a balance on one card that reports each month. Keep it below 9% overall utilization. That is all I can suggest with the bit of info given. It will get the score moving upward, which I get the feeling is what is partially holding him back.