Why was my recent credit line increase request denied?

If your request was denied, the reason will be in the letter you receive informing you of denial.

The most common reasons for denial are listed below. However, for specific reasons, please refer to the letter we sent you informing you of denial. If you have any questions regarding the notice you received, please send us a secure message through online banking or call us at 800.444.8115.

If your letter says…


Your CCCU account is too new

We like to see at least three months of on-time payments on an existing CCCU Credit Card account before approving an increase to its credit line.

There has recently been a change to the credit line on this account

We generally grant credit line increases on an existing credit card account no more than once every six months.

Delinquent past or present credit obligations with others

Your credit report shows you’ve paid one or more creditors late.

Income insufficient for the amount of credit requested

Based on the information provided in your application, your current credit line is appropriate given your stated income.

Excessive credit obligations

Your credit report shows high utilization of revolving lines.

Excessive credit obligations in relation to income

Your total monthly payment obligations exceed our debt-to-income standards.