topic Re: Amex is asking for additional information for a CLI in Credit Cards

Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:03:10 GMT

I just requested a CLI on my amex blue an was told i would have to send in my tax returns for them to approve my CLI. I don't think so they can just keep the CLI. I don't feel like i should be sending them my personal tax returns just to get a CLI.

Re: Amex is asking for additional information for a CLI

searchingfor67 — Sat, 10 Nov 2012 16:05:47 GMT

Wow! How much did you ask for?

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:10:21 GMT

MY CL is only 2500 I only asked for 2500 to make it a total of 5000. Only had the account for 5 months.

Re: Amex is asking for additional information for a CLI

searchingfor67 — Sat, 10 Nov 2012 16:15:52 GMT

That's odd. If you don't mind me asking, what is your income, credit score, aaoa and length of credit?

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:19:29 GMT

I'm a nurse make aroound 60,000 a year my EX credit score is 730

Re: Amex is asking for additional information for a CLI

jsickz32 — Sat, 10 Nov 2012 16:20:10 GMT

How old is your card? What about usage?

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:20:27 GMT

At the end of the day I'm not sending my returns they can keep the CLI.

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:21:38 GMT

Card is almost 6 months old use it allot an pay it full evey month.

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 16:23:36 GMT

The thing is I wonder if i don't return the paper work will they shut down my card cause this sounds like an FR

Re: Amex is asking for additional information for a CLI

jsickz32 — Sat, 10 Nov 2012 16:25:00 GMT

Yeah it sounds like an FR.

Re: Amex is asking for additional information for a CLI

toppers555 — Sat, 10 Nov 2012 16:44:54 GMT

Sounds like you would be asking for a fr.

Re: Amex is asking for additional information for a CLI

chnceit — Sat, 10 Nov 2012 16:46:21 GMT

Yup its a FR. If you want to keep your card send in the docs they are requesting.

Did you request online, on the phone or csr?

I just was approved for a CLI at 6 months because I wasnt lucky at 61 day mark.

Re: Amex is asking for additional information for a CLI

swpopham — Sat, 10 Nov 2012 17:51:22 GMT

Have you tried to use your card again. ? Is it froze

Re: Amex is asking for additional information for a CLI

distantarray — Sat, 10 Nov 2012 17:57:53 GMT

if you refuse to send financial records obviously they won't give you a CLI but do they close your accounts or just refuse the CLI?

Re: Amex is asking for additional information for a CLI

mjbfan79 — Sat, 10 Nov 2012 18:50:39 GMT

I did it over the phone with the automated system an it told me additional information will be needed I will get a letter in the mail. Then i called an talked to a live person an he told me that I would have to wait 7 to 10 days for a letter an that it will state I need to send my income tax papers back for them to finish processing my request for a CLI.

My card is still active just used it twice

Re: Amex is asking for additional information for a CLI

LS2982 — Sat, 10 Nov 2012 19:06:46 GMT

mjbfan79 wrote:
I did it over the phone with the automated system an it told me additional information will be needed I will get a letter in the mail. Then i called an talked to a live person an he told me that I would have to wait 7 to 10 days for a letter an that it will state I need to send my income tax papers back for them to finish processing my request for a CLI.

My card is still active just used it twice

Thats good that it was not an FR!!

Re: Amex is asking for additional information for a CLI

creditnocash — Sun, 11 Nov 2012 02:43:02 GMT

i mean besides being a hassle.

whats the problem with sending in tax returns?

not like their asking for bank statements.

Re: Amex is asking for additional information for a CLI

Revelate — Sun, 11 Nov 2012 03:37:30 GMT

creditnocash wrote:
i mean besides being a hassle.
whats the problem with sending in tax returns?
not like their asking for bank statements.

Last two years tax returns are commonly used for income verification at least for the self-employed; while generally two paystubs suffices for most W2 workers, Amex may have a blanket policy to simply ask for the tax return to prove income. While I'd rather provide bank statements if required, there's not any information on my tax return that Amex doesn't have already really so like you I'd simply submit it if I wanted the CLI.

It's not an unreasonable thing to ask, though if it were to happen to me before I file 2012 and possibly 2013 (if they need two years) I'd have some 'splaining to do on my employment stability no matter that my current employer has been in business for nearly a century and likely will be around in pretty much the same form for the next century too.

Re: Amex is asking for additional information for a CLI

Smug — Sun, 11 Nov 2012 13:33:17 GMT

mjbfan79 wrote:
The thing is I wonder if i don't return the paper work will they shut down my card cause this sounds like an FR

Yep, sounds like its going that way.

Re: Amex is asking for additional information for a CLI

tray — Sun, 11 Nov 2012 14:00:08 GMT

Smug wrote:
mjbfan79 wrote:
The thing is I wonder if i don't return the paper work will they shut down my card cause this sounds like an FR
Yep, sounds like its going that way.

I feel the op just will not get the cl increase since the card is still active for usage so in my opinion do not worry mjbfan 79, there is also another thread on this forum concerning the same topic with amex refusing to give a cli without the paperwork to someone else as well, maybe amex is starting more strict policies with handing out cli's now.