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Amex 7-10 day message for CLI

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credit_endurance
Valued Contributor

Amex 7-10 day message for CLI

I had been counting down the days until my day 61 CLI. Got some info on the boards that actual clock started from day of approval instead of activation so decided to hit the LUV button and recieved 7-10 message. Asked for more than the 3XCLI  would that have caused the message? Is this a flat denail?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Amex 7-10 day message for CLI

You won't get more than 3xCLI even if you ask for it, so yeah that might have caused the delay. Usually the responses for the 3xCLI are instant, so I would call them on Monday if you still haven't heard anything.

Message 2 of 15
Burned2manybridgesB4
Valued Contributor

Re: Amex 7-10 day message for CLI

Guessing you did or through the online portal....

 

High chance it's a no.

Amex counters when you're eligible, but ask too much.

Message 3 of 15
credit_endurance
Valued Contributor

Re: Amex 7-10 day message for CLI


@Burned2manybridgesB4 wrote:

Guessing you did or through the online portal....

 

High chance it's a no.

Amex counters when you're eligible, but ask too much.


Yes. I tried online. Shoud I request again only doing 3XCLI?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 4 of 15
Burned2manybridgesB4
Valued Contributor

Re: Amex 7-10 day message for CLI


@credit_endurance wrote:

@Burned2manybridgesB4 wrote:

Guessing you did or through the online portal....

 

High chance it's a no.

Amex counters when you're eligible, but ask too much.


Yes. I tried online. Shoud I request again only doing 3XCLI?


Wait for the letter. It would've offered 3x if you were eligible.

Message 5 of 15
credit_endurance
Valued Contributor

Re: Amex 7-10 day message for CLI


@Burned2manybridgesB4 wrote:

@credit_endurance wrote:

@Burned2manybridgesB4 wrote:

Guessing you did or through the online portal....

 

High chance it's a no.

Amex counters when you're eligible, but ask too much.


Yes. I tried online. Shoud I request again only doing 3XCLI?


Wait for the letter. It would've offered 3x if you were eligible.


Okay I will wait. Jus wondering now if I tried to early perhaps? From the information I had gathered it was 61 days from approval not activation.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 6 of 15
Burned2manybridgesB4
Valued Contributor

Re: Amex 7-10 day message for CLI

Just to give you a heads up, most $1k amices struggle to grow for a while, up to a year, before CLI is doable. $1k means you were barely in at all.

Message 7 of 15
credit_endurance
Valued Contributor

Re: Amex 7-10 day message for CLI


@Burned2manybridgesB4 wrote:

Just to give you a heads up, most $1k amices struggle to grow for a while, up to a year, before CLI is doable. $1k means you were barely in at all.


Good to know then thanks. I will keep that in mind and won't get my hopes up to high regarding this until I can establish a longer history with them.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 8 of 15
Anonymous
Not applicable

Re: Amex 7-10 day message for CLI

I was approved for the AMEX Hilton in April 2016. My SCL was only $1.4k. I hit the luv button and they only gave me 2x CLI. I was disappointed but this is my first AMEX so I'm just glad to have my foot in the door. 

 

Good luck. I hope they give you a CLI even if it's not 3x your current CL. 

Message 9 of 15
credit_endurance
Valued Contributor

Re: Amex 7-10 day message for CLI


@Anonymous wrote:

I was approved for the AMEX Hilton in April 2016. My SCL was only $1.4k. I hit the luv button and they only gave me 2x CLI. I was disappointed but this is my first AMEX so I'm just glad to have my foot in the door. 

 

Good luck. I hope they give you a CLI even if it's not 3x your current CL. 


Thanks GDanzy. I certainly hope so. You seem to have been approved around the same time that I was in April, did you request your 3XCLI 61 after your approval or 61 days after card activation?

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 10 of 15
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