lucky penny
Full time employment: Posting here.
- Joined
- Jan 23, 2010
- Messages
- 734
I just received a letter from "Credit Services" in Delaware stating that my request for an increase in my credit card limit was declined because "Delinquency date too recent." It also states that this decision was "influenced in whole or in part" by my credit report from Trans Union, and that my credit score is - ta da! - 835. The letter provides an address to contact if I have any questions.
Bizarre. I immediately requested my credit report from Trans Union. It shows a perfect record of payments going back for years - no late payments & no delinquencies. I actually only have 2 credit cards & always pay the entire balance each month; no other debt.
After JetBlue terminated its American Express cards last spring and the accounts were moved to a Barclaycard/Mastercard, I did request an increase in the credit limit for the new card. No special reason, just thought it might be nice to have -- I'm not planning to borrow or buy anything in particular.
I assume that "recent delinquency" is probably an error, somebody pushed the wrong key on a form letter (maybe they should have said: too little credit/debt). I also assume that if I wrote to the address provided (just a box number, no name, no phone number given), the chance of getting a good explanation in response is close to zero. I really don't care too much about this since, as I said, I'm not planning to buy or borrow.
Has anyone ever had an issue like this? Should I just let it go?
Bizarre. I immediately requested my credit report from Trans Union. It shows a perfect record of payments going back for years - no late payments & no delinquencies. I actually only have 2 credit cards & always pay the entire balance each month; no other debt.
After JetBlue terminated its American Express cards last spring and the accounts were moved to a Barclaycard/Mastercard, I did request an increase in the credit limit for the new card. No special reason, just thought it might be nice to have -- I'm not planning to borrow or buy anything in particular.
I assume that "recent delinquency" is probably an error, somebody pushed the wrong key on a form letter (maybe they should have said: too little credit/debt). I also assume that if I wrote to the address provided (just a box number, no name, no phone number given), the chance of getting a good explanation in response is close to zero. I really don't care too much about this since, as I said, I'm not planning to buy or borrow.
Has anyone ever had an issue like this? Should I just let it go?