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greendude

Crap1 denying my CLI, using 2 month old score and report

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Posted (edited)

Crap1 is denying my CLIs, using a 2 month old score and report. What can I do to make them smell the coffee ?

The date of the score in denial letter is 01/29/2019. Its mid-march now. 

Edited by greendude

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how do you know the score you see if the one they used? what was the denial reason(s) given?

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15 hours ago, hegemony said:

how do you know the score you see if the one they used? what was the denial reason(s) given?

The score and the score date is in the denial notice.

 

Denial reasons are: 

1) your financial obligations are too high

2) Revolving balances too high 

 

My utilization is 5% since Feb. Just got Chase auto cli, Bofa A 4k, Amex 10k. Crap1 keeps denying. 

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That happened to me last year. When I called about it (escalated from the first-line CSR), they seemed to have no idea what I was talking about and pretty much stuck to the script. Frustrating.

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On 3/16/2019 at 1:23 PM, greendude said:

The score and the score date is in the denial notice.

 

Denial reasons are: 

1) your financial obligations are too high

2) Revolving balances too high 

 

My utilization is 5% since Feb. Just got Chase auto cli, Bofa A 4k, Amex 10k. Crap1 keeps denying. 

How much spend is the card seeing Crap 1 likes heavy usage for a CLI?

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CapOne has always used their latest quarterly soft for me, too.  Sometimes you get the timing right, sometimes you don't. 

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