Hi,
It seems banks are still giving CLI despite volatile economic conditions. Requested CLI on West Elm via Comenity website, declined. Called Robolady, approved +800 to $4800. Hung up and called back, another 1000 to bring total CL $5800
Fico 08 Exp 739 11% utilization 4.5 AAOA Thick credit file (25 open accounts) w/ no baddies whatsoever
Also, if you have called AMEX and requested hardship during these last 4 months, expect financial review early next year. Amex was one creditor I did not call, AT ALL! Affected accounts will be those who have charge cards especially the Platnium. Amex will cancel accounts and blacklist you from any charge cards for 5 years. Charge card users are supposed to have funds for backup. Continuing to have a no pre-set limit will be too much of a risk. Some of you guys called too soon for help! This is inside knowledge from a reliable source. So start preparing just in case. Don't shoot me! I'm just the messenger trying to help MyFico family.
Even though I barely post, I love these forums because I gauge others approvals and CLI's to see if I stand a chance! Def saves me from HP's! Haha!
OH! AND SAVE THOSE HP'S WITH CITIBANK - THEY HAVE THEIR PURSE CLUTCHED TO THEIR CHEST RIGHT NOW. YOU CAN HAVE A GREAT SCORE AND STILL BE DECLINED FOR BOGUS REASONS! TOO MANY INQUIRIES, REALLY? LAST ONE WAS 10/2019 LMAO! BEFORE THAT WAS 3/2019!
