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Hello all,
I was approved for the Delta Skymiles Gold with a 1K limit on 04/19. Score at the time was EX FICO08 628. Since then I have met the total spend for the 30K miles. The card was used upto the max and paid off right away. Statement balance on both statements was $8 and $115. The soft pull happened on my EXP was 6/10 pulled a score of 684; UTI at 11%, AAoA 3 years and 3 months and 11 INQ's alongwith 6 accounts in the last 6 months. I tried for the 3X CLI today past my 60 day mark and was given the 7-10 day message. I called the credit department and was told that the request was declined due to excessive inquiries on my file. I have 11 INQ on my EXP in the past 24 months out of which 5 of them were from Amex. 4 approvals and 1 denial. Pretty bummed out but guess I will have to wait the next 90 days to try again. It was strange but I guess it's just my luck. NFCU Declined and now AMEX declined CLI. I have been in the Garden for 1 month and continue to stay in till June 2018 when I apply for a new car loan when I return from overseas. I appreciate all the input and thanks again.
Vic
Did you receive the email, shortly after approval regarding increasing our CL aft 5 statements? I only ask because when I was approved for the $1K SL I received the email, therefore did not request and CLI at 60 day +...
I'm looking at that 1K CL and wondering whether that's an internal message within Amex to go slow with CLI's. I have an initial CL with Amex of 4K, just got the card a week ago - charged a $22 tank of gas on Saturday and paid it off on the following Tuesday. I expect to take it very conservatively with Amex because of my history with them.
Question - when I get to the 60 days should I ask about a 3X CLI, which would bring their CL to $12K? I will have a dozen mortgage inquiries and the mortgage just hit my CRA. Other than that I have one other credit card with a $500 toy limit.
I would start here: http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/181107...
But from my experience if you were approved for $1K, you most likely are not going to get a CLI at 61 days. If you are at $2K or over, you should be okay for some sort of CLI. I was approved for 2 Amex C in one night, one for $1K and the other for $2K, are received the 3x CLI on the $2K at 61 days. The $1K, I received an email about paying on time and carrying a balance for 5 statements, I did that , received auto CLI to $2K...