Are DCU CLI reported as new tradelines?

[cr101]

Sounds silly, but I've had bad experiences w them and PPMC reporting new tradelines when you would think it wouldn't be created/reported... I clicked the Accept button for a CLI and I've received a message on the site about my 'loan application' and I've received emails about my 'loan application'. 

[Gmood1]

No not IME. It's only a CLI.

[Anonymous]

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@cr101 wrote:

Sounds silly, but I've had bad experiences w them and PPMC reporting new tradelines when you would think it wouldn't be created/reported... I clicked the Accept button for a CLI and I've received a message on the site about my 'loan application' and I've received emails about my 'loan application'. 

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Because you're applying for more credit on your existing line.  Just the way they're wording it. 

[DaveInAZ]

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@cr101 wrote:

Sounds silly, but I've had bad experiences w them and PPMC reporting new tradelines when you would think it wouldn't be created/reported... I clicked the Accept button for a CLI and I've received a message on the site about my 'loan application' and I've received emails about my 'loan application'. 

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I've received several CLIs on my PayPal Mastercard, from the starting limit of $7k in 2017 to the current $12,500 CL and it's never changed anything on the reporting except the credit limit. I've never had a CLI on any credit account change anything but the credit limit.

[cr101]

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@DaveInAZ wrote:

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@cr101 wrote:

Sounds silly, but I've had bad experiences w them and PPMC reporting new tradelines when you would think it wouldn't be created/reported... I clicked the Accept button for a CLI and I've received a message on the site about my 'loan application' and I've received emails about my 'loan application'. 

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I've received several CLIs on my PayPal Mastercard, from the starting limit of $7k in 2017 to the current $12,500 CL and it's never changed anything on the reporting except the credit limit. I've never had a CLI on any credit account change anything but the credit limit.

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I misworded that. I meant that PPMC reported things as a new line when they shouldn't have (my replacement card). Can you imagine how cautious and disciplined we'd all be if CLI were reported as new accounts? LOL

[Mv350]

Dcu calls all credit products, loan applications

I asked them when I applied for the Visa card, it freaked me out that it said loan application

[dragontears]

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@Mv350 wrote:

Dcu calls all credit products, loan applications

I asked them when I applied for the Visa card, it freaked me out that it said loan application

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In my experience, most CUs do this

[DaveInAZ]

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@cr101 wrote:

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@DaveInAZ wrote:

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@cr101 wrote:

Sounds silly, but I've had bad experiences w them and PPMC reporting new tradelines when you would think it wouldn't be created/reported... I clicked the Accept button for a CLI and I've received a message on the site about my 'loan application' and I've received emails about my 'loan application'. 

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I've received several CLIs on my PayPal Mastercard, from the starting limit of $7k in 2017 to the current $12,500 CL and it's never changed anything on the reporting except the credit limit. I've never had a CLI on any credit account change anything but the credit limit.

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I misworded that. I meant that PPMC reported things as a new line when they shouldn't have (my replacement card). Can you imagine how cautious and disciplined we'd all be if CLI were reported as new accounts? LOL

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Ah! That seems to be a Synchrony special - I lost my Walmart store card a couple years ago, replacement card reported as a new tradeline, but at least with the original open date. And the old card reports in Closed Accounts, and as one of my oldest cards it helped my AAoA.

[Anonymous]

Dave, you are lucky, synchrony usually puts a fresh date on the new tradeline date, from what I've read.