GE Amazon Store Card CLI declined

[tknkrov]

I was approved for this card in Nov. CL $600 asked for an increase at the 4th month mark denied but 2 weeks later auto cli to $800, go figure. Interesting thing is they bumped me up the $200 I asked for so maybe you will get lucky like I did.

[LS2982]

@tknk When you asked for a CLI at the 4th statement was it a HP?

[Booner72]

regarding the new/old report - w/ CareCredit if you are denied by looking at what they have, the rep will ask if you agree to a credit pull, thus giving them the most recent.  I let them do this one time and was lucky to get 1000.00 CLI.  Walmart, JCP, and Lowe's have never done this though.

[LS2982]

Not sure what it is with CareCredit and always wanting HP's. I really want one for my $500CL card and i dont want the HP!

[Viper786]

I got the letter yesterday stating the reasons. I guess they still have an old report because some of the reasons aren't true anymore. The reasons they gave are:

• Derogatory Public record or collection filed (I had a medical collection on my reports but I managed to get that deleted off of my TU reports a few weeks ago)
• Proportion of balances to credit limit on bank/national revolving or other revolving accounts is too high (Was at about 70% but I paid that down to 30% 2 weeks ago)
• Length of time accounts have been established (My AAoA is about 3 years)
• Proportion of loan balances to loan amounts is too high (Can't really do much about this. I have 2 student loans for 10k each with deferred payments and dont need to make any payments until 2013)

I guess i'll try again in a month.. hopefully by then they'll have an updated report with the collection gone and the util much lower.

EDIT: Oh and at the bottom of the letter it says that my credit score is 641 and the date is 2/16/12. They pulled TU btw.