I hit the luv button on my BB MC 2 weeks ago and was given the 7-10 day notice. Seemed strange since the last few CLI's have been instant. I received a letter last week that my request could not be granted due to the derogatory status of my account. Needless to say I panicked.
I called Cap 1 and they told me it isn't any of my current accounts that are derogatory, quite the contrary, they are excellent. They apologized for the misunderstanding. It was in fact an account I defaulted on 11 years ago that was the problem. My current 2 accounts are in excellent standing but they can't give me a CLI because of a defaulted 11 year old account.
Funny thing is they have given me 3 cards and multiple CLI's on the BB MC over the last few years. I actually found it kind of funny. I didn't argue. I'm not in need of a CLI.
Just giving a heads up that the "Supervisor" I was transferred to told me that accounts stay in their database for 10 - 13 years.