Declined for 61 day CLI

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Gamma
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Postby Gamma » Fri Aug 02, 2013 3:07 pm

How much did you burn them?


MemberSince99
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Postby MemberSince99 » Fri Aug 02, 2013 3:37 pm

Don't remember the exact amount, it was WAY less than Chase, between 2400 and 2600, in that range, on two cards.

MemberSince99
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Postby MemberSince99 » Fri Aug 02, 2013 5:41 pm

Update:

I called customer service to ask if I could ever get a CLI on this card after explaining what happened. The CSR re-submitted a request. He said it could work but I frankly doubted it. So I got home and checked the results and guess what? Yep - same as this morning.

So then I called the 800 number they said on the decline to call, and asked if this means I can never get a CLI on this card.

No one gives you a direct answer when you ask these things for some reason, even as simple as "I don't know, let me direct you to someone who should know". So that rep submitted the request to the EO.

I'm expecting the exact same results, and I still will have no idea if this is my limit for life like a starter Cap One card or if it will ever be allowed to grow.

It did cross my mind to offer to pay the charge off amount, but with Amex, I seriously wonder if it would even matter.

I will post when I get the decline notification if I get one. I guess in the meantime let's assume it can't grow.

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Z06Biker
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Postby Z06Biker » Fri Aug 02, 2013 6:15 pm

That sucks, but you also can't blame them. They're a business, and we're just a database number.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

MemberSince99
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Postby MemberSince99 » Fri Aug 02, 2013 8:29 pm

No, I don't blame them at all. Not doing that. If I were them, I wouldn't have even given me cards. (Honestly I have no idea why they did).

Just saying from my perspective, cards with 2k limits that never grow are unlikely to see much action as I'd rather give the business to a lender who things aren't forever spoiled with. It really is true they never forget or forgive entirely. I do not blame them, but I'm saying from my perspective, I think it's prudent to work more on cultivating relationships with other lenders than one I burned if indeed I'm at a dead end with Amex.

So please don't take this as a blaming or bashing of them. I'm just relating this to let everyone know what can happen if you burn them, and where I'm at with it. I have nothing bad to say about them regardless of what they do or don't do, just gonna have to make sure I don't burn those lenders I have good relations with and make sure I take care of them.

What happened to me, I've read has happened to a few on the FICO forum and I'm sure will happen again so hopefully what I post will be of interest and help to someone down the line.

MemberSince99
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Postby MemberSince99 » Sun Aug 04, 2013 5:16 pm

I did some research on this, found a thread on FICO where the guy had the same thing happen, but 6 months later they gave him a CLI.

So, that would indicate it doesn't last forever, or at least there is hope it doesn't last forever.

AMEXPlatino86
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Postby AMEXPlatino86 » Sun Aug 04, 2013 6:41 pm

That's what we've been trying to tell you the whole time LOL.

MemberSince99 wrote:I did some research on this, found a thread on FICO where the guy had the same thing happen, but 6 months later they gave him a CLI.

So, that would indicate it doesn't last forever, or at least there is hope it doesn't last forever.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

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Z06Biker
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Postby Z06Biker » Mon Aug 05, 2013 6:10 pm

AMEXPlatino86 wrote:That's what we've been trying to tell you the whole time LOL.


If 6 months is sufficient to get over a divorce, surely it's enough for a banker to let you off the hook!
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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nismoZtuner
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Postby nismoZtuner » Wed Aug 07, 2013 1:45 am

Z06Biker wrote:If 6 months is sufficient to get over a divorce, surely it's enough for a banker to let you off the hook!


Good one!!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
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TCL-$19,800
Age-22



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