I know when i called Orchard's back door number the other day for a cli, the csr told me that due to the current crisis, most lenders are going to get pickier, and less likely to approve cli's.
I have a perfect payment history with them, even the csr said so, but when you call the backdoor to threaten to cancel, they can only grant one priviledge within a certain amount of time. Well I called back in August to say I wanted to cancel to get out of the annual fee, they removed it. When I called a few days ago, to say I would cancel because I wanted a cli..he tried, but the computer wouldnt grant it, because they had just given the annual fee removal. While i was on the phone he volunteered the info about the crisis and how things are going to get harder...
So either they have been taught to say that..or that was his opinion, I'm not sure...