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Another CLI for DW...

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tcbofade
Super Contributor

Another CLI for DW...

OK, now GE just hates me personally.  Smiley Tongue

 

I posted earlier this month that DW got a line increase on her Paypal account. 

 

Today, she got a line increase on her Wallymart card.

 

While I'm thrilled for the CLI's of course, it's a bit frustrating as well.  (As I handle the finances and CC payments for both of us...)

 

Argh. 

 

Oh well.  A cli is a cli.  Progress.  Smiley Happy

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 1 of 6
5 REPLIES 5
Shogun
Moderator Emeritus

Re: Another CLI for DW...

I feel your pain.  Smiley Happy

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
webhopper
Moderator Emeritus

Re: Another CLI for DW...


@tcbofade wrote:

OK, now GE just hates me personally.  Smiley Tongue

 

I posted earlier this month that DW got a line increase on her Paypal account. 

 

Today, she got a line increase on her Wallymart card.

 

While I'm thrilled for the CLI's of course, it's a bit frustrating as well.  (As I handle the finances and CC payments for both of us...)

 

Argh. 

 

Oh well.  A cli is a cli.  Progress.  Smiley Happy


Sometimes it feels as if there is no ryhme or reason to lenders in how they handle approvals and CLIs.  I've been denied twice on CLI for my Discover card. Smiley Sad  Heavy usage  Over 10k this year.   No balance on the card.   Still denied Smiley Sad

 

Also I've gotten no CLI luv from GE on my Amazon store card.

 

I feel your pain!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 3 of 6
flowfaster
Established Contributor

Re: Another CLI for DW...

Call underwriting!!!  I kept getting denied CLI requests on my Amazon account that was stuck at $2500.  The denial letter said "maximum our policy allows".  I called underwriting and BAM approved $7500.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 4 of 6
tcbofade
Super Contributor

Re: Another CLI for DW...


@flowfaster wrote:

Call underwriting!!!  I kept getting denied CLI requests on my Amazon account that was stuck at $2500.  The denial letter said "maximum our policy allows".  I called underwriting and BAM approved $7500.


Thank you.  Yay u.  Doesn't work for me.  Talked to underwriting two weeks ago...my credit score isn't good enough for a line increase.

 

DW is a whopping 10 points ahead of me, and apparently, the magic number lies between 640 and 650....  Smiley Tongue

 

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 5 of 6
youngandcreditwrthy
Senior Contributor

Re: Another CLI for DW...

If you have any recent collections, that will prevent GE from giving you CLIs :-(

 

I think when I called underwriting last night, my score was right at 640. 

 

I got Paypal MC, Lowe's, Chevron, AND WMT Discover increased haha...by a collective $9.1k, so the backdoor num def works.

 

:-) best of luck!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 6 of 6
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