Fidelity Amex CLI declined.

[Anonymous]

I got this card on April 2013. Approved for $2.5K. I called to add it to $3K once I received the card. So $500 CL for the first time. In May, I called to increase CL to $6K. In June, I paid the balance to 2.5K, so I tried to CLI again. Asked for $15K, but countered with $10K and took it.

This morning, after my 3rd statement cut and with balance paid down to $70, I called backdoor number to CLI. The analyst was friendly and asked all the basic info, and asked why I need my CLI, I told him that the CL prevented me using the card efficently since I need to make multiple payments a month.

He then asked a lot more details about my financial situation like my liquid assets, why short credit history, what percentage of my income is guaranteed (exclusing bonus, investment, etc)..  In the end, he told me unfortunately he was unable to give me a CLI now because the age of this card. But I can feel the decision is not far from the borderline according to his detailed inquiry of my situation and the way he spoke(A little bit hesitated). Pulled the 3 bureau CR immediately afterwards and no sign of HP for unkown reasons, same with the previous CLI.

I'll try again next month after the statement cut.

[enharu]

Didn't you say you ended up getting a HP for the last CLI? Hmmm

[Anonymous]

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@enharu wrote:
Didn't you say you ended up getting a HP for the last CLI? Hmmm

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The EQ one for account opening is still there, I recalled that there used to be one six days later on TU when I pulled it two months ago, presumably for the first CLI, I checked again my USAA 3 bureau CR just now but it's not there anymore, I know this sounds weird, but it is not there.  

[Dubious]

enharu, you love this OP's threads 

OP, this poor abused account is only 3 months old. Why don't you give it another 3 months before asking for another CLI?

[Dubious]

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@Anonymous wrote:

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@enharu wrote:
Didn't you say you ended up getting a HP for the last CLI? Hmmm

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The EQ one for account opening is still there, I recalled that there used to be one six days later on TU when I pulled it two months ago, presumably for the first CLI, I checked again my USAA 3 bureau CR just now but it's not there anymore, I know this sounds weird, but it is not there.  

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Maybe it was recoded as a SP. 

[enharu]

Dubious, I tried to resist but its just too tempting lol. Besides, someone has to feed the troll....I shall (try to) refrain from making anymore comments. Got a few PMs because of this.

[Anonymous]

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@Dubious wrote:

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@Anonymous wrote:

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@enharu wrote:
Didn't you say you ended up getting a HP for the last CLI? Hmmm

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The EQ one for account opening is still there, I recalled that there used to be one six days later on TU when I pulled it two months ago, presumably for the first CLI, I checked again my USAA 3 bureau CR just now but it's not there anymore, I know this sounds weird, but it is not there.  

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Maybe it was recoded as a SP. 

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I found the old 3 bureau CR I pulled on April 25th 2013 using TrustedID. There is an FIA HP on 04/16/2013 of TU, six days after the HP on 04/10/2013 of EQ.   But the report I just pulled using USAA, there's no sign of this HP on TU. 

[09Lexie]

I'd be happy for the CLI's you've received thus far. Give your acct the time to earn more.

[KIPPIE12]

Sorry for the decline, but looks like they are hesitant granting more credit until you have more age on the account.  As Lexie said, be grateful for what they've given you thus far in such a short period of time.  You've fared better than most with a new account with them.

[GatorGuy]

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@enharu wrote:
Didn't you say you ended up getting a HP for the last CLI? Hmmm

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You have a good memory.