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The Definitive Amex 3X CLI Guide

New Contributor

Re: The Definitive Amex 3X CLI Guide

I got my BCP in June with 5 other cards including Discover IT. I did a $5500 BT to the IT card, was carrying probaby 80-90% util on the IT card in December when I got my 3x.

 

Will go for another 3x in July and should have 2-3% util AZEO.




Starting Score: EQ: 636 TU: 665 EX: 652
Current Score: EQ: 647 TU: 672 EX: 665
Goal Score: 730 Across the Bureau Board


Take the myFICO Fitness Challenge
Message 3741 of 3,746
Regular Contributor

Re: The Definitive Amex 3X CLI Guide

Will report the end result either way. Ric, mind sharing what the process was on your approval?

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of Jan 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Capital One Quicksilver One: $5,500
NFCU Cash Rewards: $5,100
Wells Fargo Propel: $3,500
Citi Double Cash: $1,500
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $39,300
Message 3742 of 3,746
Regular Contributor

Re: The Definitive Amex 3X CLI Guide

Very interesting and frustrating. Called and spoke with AMEX. After getting transfered a few times, They confirmed I was declined due to "low FICO score." I said "682 isn't good enough?!" He responded that my FICO is 640 as of December 9th. I tell him that the AMEX site itself has posted that my FICO is 682 this morning, which is why I felt comfortable requsting the increase. 

 

He said in that case he'd mark it for manual review and get back to me in 48 hours. 

 

So an interesting nugget. Just because AMEX posts your current FICO doesn't mean that THAT's the score they're going to use in their decision. Very frustrated but hopefully someone will actually perform a manual review and see that their system had yet to reflect the most current information.

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of Jan 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Capital One Quicksilver One: $5,500
NFCU Cash Rewards: $5,100
Wells Fargo Propel: $3,500
Citi Double Cash: $1,500
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $39,300
Message 3743 of 3,746
New Contributor

Re: The Definitive Amex 3X CLI Guide


mysterythemoon wrote:

Very interesting and frustrating. Called and spoke with AMEX. After getting transfered a few times, They confirmed I was declined due to "low FICO score." I said "682 isn't good enough?!" He responded that my FICO is 640 as of December 9th. I tell him that the AMEX site itself has posted that my FICO is 682 this morning, which is why I felt comfortable requsting the increase. 

 

He said in that case he'd mark it for manual review and get back to me in 48 hours. 

 

So an interesting nugget. Just because AMEX posts your current FICO doesn't mean that THAT's the score they're going to use in their decision. Very frustrated but hopefully someone will actually perform a manual review and see that their system had yet to reflect the most current information.


That is weird, hopefully the manual review will help out. Seems pretty irrelevant they would use data that is a month old.




Starting Score: EQ: 636 TU: 665 EX: 652
Current Score: EQ: 647 TU: 672 EX: 665
Goal Score: 730 Across the Bureau Board


Take the myFICO Fitness Challenge
Message 3744 of 3,746
New Contributor

Re: The Definitive Amex 3X CLI Guide

Have you gotten a letter or email from Amex explaining why they declined the CLI?  That letter/email usually includes the EX score they used to make their decision and the date the score was pulled. If you didn't get it, you can go to https://www262.americanexpress.com/eaol/welcome.do.  Fill in the requested info and you will see a copy of the letter.  Pay careful attention to the date of the pull stated in the letter since you will now know the approximate date when Amex underwriting pulls your score.  From my personal experience I know they pull my EX score on or around the 4th of each month.  So I wait until after the 4th of the next month to ensure that the underwriting folks are using the score that was displayed on the website in the preceding month.

 

 


mysterythemoon wrote:

Very interesting and frustrating. Called and spoke with AMEX. After getting transfered a few times, They confirmed I was declined due to "low FICO score." I said "682 isn't good enough?!" He responded that my FICO is 640 as of December 9th. I tell him that the AMEX site itself has posted that my FICO is 682 this morning, which is why I felt comfortable requsting the increase. 

 

He said in that case he'd mark it for manual review and get back to me in 48 hours. 

 

So an interesting nugget. Just because AMEX posts your current FICO doesn't mean that THAT's the score they're going to use in their decision. Very frustrated but hopefully someone will actually perform a manual review and see that their system had yet to reflect the most current information.


 

8/20/17 FICO 8: EQ 663; EX 644; TU 643
1/1/18 FICO 8: EQ 752; EX 701; TU 695
Message 3745 of 3,746
Regular Contributor

Re: The Definitive Amex 3X CLI Guide

Update on my situation. HUCA about four times and all the guy would say is that because of low FICO they couldn't do the 3X CLI. He read the same script the other's did. Then I got him again on the fourth call and I patiently explained they used my last month's FICO even though they posted THIS MONTH'S FICO the day before I applied for the 3X in the first place. He said he'd mark it for manual review. Fast forward about a week and boom. 4,200 is now 12,600 CL. Pretty satisfied. I have a SPG application also marked for manual review. Hoping for a similar outcome. 

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of Jan 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Capital One Quicksilver One: $5,500
NFCU Cash Rewards: $5,100
Wells Fargo Propel: $3,500
Citi Double Cash: $1,500
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $39,300
Message 3746 of 3,746