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AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?

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QueenBeeOC
Regular Contributor

AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?

So I got cocky.

 

Stepped out the garden because I got the 61 day CLI and got denied for the SPG.

 

Should I call and get a recon?

 

At least its only a soft pull for SPG if I get denied - right?Smiley Sad

Southwest: $9k - Discover It $1,900 - Amazon $2,900 - CAP1 - $1,500 - QuickSilver (FKA Orchard) - $900 - J. Crew $1K - LOFT $1K - Nordstroms $1K - Amex BCE - $3,000
Scores: Credit Karma 687, Credit Sesame 660- EQ 643 - EX 665 (from Amex)- TQ 655 Lender Pull: 693


Message 1 of 5
4 REPLIES 4
09Lexie
Moderator Emerita

Re: AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?


@QueenBeeOC wrote:

So I got cocky.

 

Stepped out the garden because I got the 61 day CLI and got denied for the SPG.

 

Should I call and get a recon?

 

At least its only a soft pull for SPG if I get denied - right?Smiley Sad


Yes it a sp.  What would be the reason for recon?  Is there an error on your crs?

Message 2 of 5
QueenBeeOC
Regular Contributor

Re: AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?

I think it was high UTIL, but if they SP me in Feb and still gave me the CLI why would that matter?? Smiley Sad

Southwest: $9k - Discover It $1,900 - Amazon $2,900 - CAP1 - $1,500 - QuickSilver (FKA Orchard) - $900 - J. Crew $1K - LOFT $1K - Nordstroms $1K - Amex BCE - $3,000
Scores: Credit Karma 687, Credit Sesame 660- EQ 643 - EX 665 (from Amex)- TQ 655 Lender Pull: 693


Message 3 of 5
09Lexie
Moderator Emerita

Re: AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?


@QueenBeeOC wrote:

I think it was high UTIL, but if they SP me in Feb and still gave me the CLI why would that matter?? Smiley Sad



@QueenBeeOC wrote:

I think it was high UTIL, but if they SP me in Feb and still gave me the CLI why would that matter?? Smiley Sad



 


It may not make much sense but giving you a new line of credit with high util probably may weigh heavier in their approval algorithims

Message 4 of 5
Leadberry
Established Contributor

Re: AMEX BCE 3X CLI APPROVED -- SPG DENIED - RECON?


@QueenBeeOC wrote:

So I got cocky.

 

Stepped out the garden because I got the 61 day CLI and got denied for the SPG.

 

Should I call and get a recon?

 

At least its only a soft pull for SPG if I get denied - right?Smiley Sad


Amex is known not to do recons unless there are errors on your CR.

   
FICO Scores 800+
Message 5 of 5
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