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Regular Contributor
Posts: 106
Registered: ‎01-10-2017
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did not get instant approval from amex at 61 days says sending reply in mail

I tried to do the 3times cli at 60 days..i got the 7 to 10 day reply notice..does that mean i did not get it? i tried it i think day early..

Regular Contributor
Posts: 106
Registered: ‎01-10-2017
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UPDATE on AMEX CLI 61 day rule..

This seems new ..I hit the button at day 60 to see if i could get the 3x cli from Amex..I got 7 to 10 day message..when I checked my email there was a note telling me to call the credit team and gave me ref number..i went into chat and the gal told me it was denied but not really..she said i tried too early so i should call them on Monday. she said that no one is in the credit office today so have to wait but no worries.

so hopefully not denied and I will get it..I will call on Monday

Frequent Contributor
Posts: 396
Registered: ‎02-19-2016

Re: UPDATE on AMEX CLI 61 day rule..

[ Edited ]

its's 61 days from account opening. If you were at day 60 then yes, you tried it too soon. Try it the next day i.e day 61 and you should be fine.


Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Regular Contributor
Posts: 106
Registered: ‎01-10-2017
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Re: UPDATE on AMEX CLI 61 day rule..

she told me to call the number on monday..can they approve it for me on the phone..i dont want hard pull..the email they sent told me to call and use a ref number..

 

Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: UPDATE on AMEX CLI 61 day rule..

If you want to waste 10-15 mins call them.  Otherwise on day 61 hit the button and bypass the whole situation.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Frequent Contributor
Posts: 396
Registered: ‎02-19-2016

Re: UPDATE on AMEX CLI 61 day rule..

there's no need to call in, just try again on day 61and you'll be just fine.


Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Valued Contributor
Posts: 1,968
Registered: ‎08-02-2016
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Re: did not get instant approval from amex at 61 days says sending reply in mail

Patience is a virtue try at Day 61 and later
Regular Contributor
Posts: 106
Registered: ‎01-10-2017
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Re: did not get instant approval from amex at 61 days says sending reply in mail

One more question if I can ask please..since they said I am getting the 7 to 1o day letter . if i get approved tomorrow by clicking again..will i get that letter in mail still and also will that mean i got a Hard pull?

Frequent Contributor
Posts: 396
Registered: ‎02-19-2016

Re: did not get instant approval from amex at 61 days says sending reply in mail

[ Edited ]

fritscher wrote:

One more question if I can ask please..since they said I am getting the 7 to 1o day letter . if i get approved tomorrow by clicking again..will i get that letter in mail still and also will that mean i got a Hard pull?



1.) New Amex Accounts are not eligible for a credit line increase until they have been open more than 60 days.

 

2.) "More than 60 days" = 61 days.

 

3.) You tried on DAY 60  thus your account was not eligible for a credit limit increase and this is why you were denied.

 

4.) The letter you were told would be coming in 7-10 days will say that your account was not eligible because it had not been open long enough.

 

5.) Retrying the credit line increase now that your acount has been open more than 60 days will not cause a hard pull,  also known as a hard inquiry, on your credit report.


Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Regular Contributor
Posts: 106
Registered: ‎01-10-2017

Re: did not get instant approval from amex at 61 days says sending reply in mail

Thank you all..HAPPY DANCE>..i did today day 62 and got my 3x cli from 2000 to 6000 on my amex everyday

I appreciate all of your ehlp

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