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CLI → CLD?

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DigitalArk
Valued Contributor
‎09-25-2013 03:28 PM
‎09-25-2013 03:28 PM

CLI → CLD?

Did it ever happen to you that when you requested a CLI, you got a CLD instead after the bank/credit union reviewed your credit reports?

Message 1 of 12
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11 REPLIES 11
enharu
Super Contributor
‎09-25-2013 03:31 PM
‎09-25-2013 03:31 PM

Re: CLI → CLD?

Hasn't happened to me yet, but this scenario is possible
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 12
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Creditaddict
Legendary Contributor
‎09-25-2013 03:33 PM
‎09-25-2013 03:33 PM

Re: CLI → CLD?

this happened back in the day with Bank of America but I have not really heard lately by anyone.

Message 3 of 12
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DigitalArk
Valued Contributor
‎09-25-2013 03:36 PM
‎09-25-2013 03:36 PM

Re: CLI → CLD?

It has not happened to me yet, nor do I want it to happen to me. I am just curious. Smiley Surprised

Message 4 of 12
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youngandcreditwrthy
Senior Contributor
‎09-25-2013 03:43 PM
‎09-25-2013 03:43 PM

Re: CLI → CLD?

Has not happened to me either. However a lender may deem you high-risk if you ask for CLIs excessively
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 5 of 12
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enharu
Super Contributor
‎09-25-2013 03:47 PM
‎09-25-2013 03:47 PM

Re: CLI → CLD?

Depends on how often the creditor SP you. If they don't regularly SP you, they may be in for a surprise when they SP / HP during a CLI request.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 6 of 12
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john398
Senior Contributor
‎09-25-2013 05:40 PM
‎09-25-2013 05:40 PM

Re: CLI → CLD?

Haoppened to me when Firestone had online requests for cli

Message 7 of 12
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DigitalArk
Valued Contributor
‎09-25-2013 08:02 PM
‎09-25-2013 08:02 PM

Re: CLI → CLD?

@john398 wrote:

Haoppened to me when Firestone had online requests for cli

Wow! Smiley Surprised

Message 8 of 12
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Dustink
Valued Contributor
‎09-25-2013 10:29 PM
‎09-25-2013 10:29 PM

Re: CLI → CLD?

I've asked for CLI's and gotten declined. Then I try to recon and UW says no way. Basically looks at the report wondering how I even got approved for the card in the first place. They have yet to CLD me though.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 9 of 12
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Anonymous
Not applicable
‎09-25-2013 11:06 PM
‎09-25-2013 11:06 PM

Re: CLI → CLD?

Only Barclays will do something like thatSmiley Very Happy

Message 10 of 12
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