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Racked up a few CLI denials

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PullingMeSoftly
Valued Contributor

Racked up a few CLI denials

Sharing a few recent L's for the DP's:

 

1) Amex Hilton Surpass CLI - Denied: Over 6 months since my last increase (on my BCP), and 4 months since opening the account. Current limit is $16,400, requested $25k. Overall Amex profile is $66,400 (not including Gold's 20k POT) which seems to be very conservative for reported income. Had to submit IV...no dice.

2) Citi Custom Cash CLI - Denied: 6 months since last increase, denial reason given is for inq's (2/6, 2/12 on EX).

3) Citi Premier CLI - Denied: 4 months since opening the account, same denial reason cited.

4) Didn't try on my Costco card given the outcomes above

 

Also still in new accounts territory too at 4/6, 4/12, 8/24...gardening heals all wounds.






9 REPLIES 9
NoHardLimits
Established Contributor

Re: Racked up a few CLI denials

Sorry to hear about the denials, but thanks for the data points.

May 2024 Scorecard: Clean, Thick, Mature, NO New Revolver [will be reassigned when new account starts reporting]
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 36 yrs | AoYRA: 0 mos | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%
Message 2 of 10
Meanmchine
Super Contributor

Re: Racked up a few CLI denials

On the bright side ......

 

Gimme a second, Im thinking

 

 

Sorry for denials Smiley Sad

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 3 of 10
CorpCrMgr1
Valued Contributor

Re: Racked up a few CLI denials

Unfortunately, you may be suffering from too good of credit. Your scores are great. You have a lot of cards. This reasoning was posted when I stated of not getting any offers.

Message 4 of 10
keekers
Established Contributor

Re: Racked up a few CLI denials

Bummer.


Message 5 of 10
FicoMike0
Established Contributor

Re: Racked up a few CLI denials

Sorry about denials.

Thanks for data.

Message 6 of 10
reluctantgarden
Frequent Contributor

Re: Racked up a few CLI denials


@CorpCrMgr1 wrote:

Unfortunately, you may be suffering from too good of credit. Your scores are great. You have a lot of cards. This reasoning was posted when I stated of not getting any offers.


Another member for our club!

Message 7 of 10
Wu-Credit
Contributor

Re: Racked up a few CLI denials

Sorry for the denials. I've been in denial territory with all my cards as well. Multiple love button denials in the last six months, on all that have the option without a HP. But they've been followed up with new approvals instead Smiley Tongue

Cards & Loans


myFICO | 754↑
Message 8 of 10
Aim_High
Super Contributor

Re: Racked up a few CLI denials

Sorry for your denials, @PullingMeSoftly.   Still, I had to chuckle since if I posted about all my denied requests, I'd be posting a lot more often! Lol Smiley LOL  I don't hesitate to push the big button, even when I know approval is unlikely.  In the past year, I've randomly tried with Capital One, Discover, CITI, Synchrony, Bank of America, and Chase with mostly denials but occasional approvals.  I've even tried when I know I'm not yet eligible, such as less than six months since last CITI approval.  Just for grins and data points.  Smiley Wink 

 

Nothing ventured, nothing gained, right? 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0 - SYCH - 65.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 9 of 10
Meanmchine
Super Contributor

Re: Racked up a few CLI denials


@Aim_High wrote:

  I've even tried when I know I'm not yet eligible, such as less than six months since last CITI approval.  Just for grins and data points.  Smiley Wink 

 

Nothing ventured, nothing gained, right? 


Been there, apped that

For me tho, its apping for a Barclays credit card while being a life long member of their blacklist club

 

Sorry again PullingMe

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 10 of 10
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