Justifying a CLI with low usage?

[masscredit]

---

@Anonymous wrote:

---

@masscredit wrote:

 When it comes to manual reviews by a human, how are they different from a computer spitting out an answer?  

---

They are different because humans have emotions... A computer does not care, if you meet guidelines, you meet them. A human when given choices can let their emotions play into the decision. Unless the human is told they cannot deny someone if xxx is met then there is always the possibility of "They do not need anymore credit" where a computer does not think like that.

With that said, if the computer is programmed to take "need" into account then it all depends on the lenders programming of what "need" is

---

I think this goes to different levels too. Like my JCP card. I was denied for a CLI when I used the Luv button and chat in March. I called to get a refund check because I doubled payed a few weeks ago. The representitive asked if I needed anything else so I took that oppertunity to ask for a CLI. She told me that was denied. The letter that came in gave me a bunch of generic reasons. I had to call a Walmart credit analyst to complete a CLI request a few nights ago. I then asked if he handled JCP. He said no but transferred me to someone that did. I had a feeling that person wasn't a front line rep. I asked to be bumped from $6500 to $10K. That was approved. I didn't expect it because I was denied a few weeks before so it seems like it depends who you talk to.