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Hello,
I got my AMEX Gold Delta back in 09/12 and didn't do the 61 day request, so today I decided to go for the plunge. They said I would receive a letter in 7-10 days so I assume it was a denial. Said I didn't fit their model or some since nonsense. Should I try and recon? I wanted to try CLI increases since I have never asked for one but now I'm freaked since reading the boards and getting denied. I received an auto CLI from CSP a few months ago (much to my surprise). I went for the AMEX CLI because of a SP. I wanted to up my CL a bit since I am traveling out of the country in September and want to keep my utilization down. Any suggestions?
Thanks to everyone that participates on the boards as they are a great help!
Have you been using the card since you got it?
About how much per month are you charging on it?
I didn't use the card hardly at all during the first 3 months, but I went up north on a vacation recently and the balance is about 1K but I paid $800 on it before the last closing date. It's been at about 1K for the past 3 months and I pay way more than the minimum.
(Dodfire: You can see I still don't have my CC images on my signature.....LOL)
@seat3a wrote:I didn't use the card hardly at all during the first 3 months, but I went up north on a vacation recently and the balance is about 1K but I paid $800 on it before the last closing date. It's been at about 1K for the past 3 months and I pay way more than the minimum.
(Dodfire: You can see I still don't have my CC images on my signature.....LOL)
Im not 100% sure but it could be because of the balance. Although it is a revolving card, AMEX still does not like people to carry a balance. Go figure that one out!!
So, that might be it??
I would give them a call and just ask... "What do I need to do in order to fit your profile"
Yes, I see that you STILL do not have your images!! HAHA
Thanks! I'll call them in the morning.
Also, after reading the boards, I guess I'll just wait to see what happens to my 3 PUNY Cap 1 cards, which are a real thorn in my side. Not a good evening. AMEX is causing sleep deprivation!
THX
Hi!
I decided to call recon this morning (foreign call center with not so nice rep).The reason my CLI was turned down was because "you have a high internal risk score". I asked what that meant and they said my EX score was 704. It may be a stupid question, but EX score is 740 on their site when I pulled it yesterday.. They said I had too many inquires (I have 2) and too high balances (utilization is around 14%). He said to try back in 90 days. I explained I had one TL at 11K but nothing seemed to matter. I am really happy that a lot of people on these boards were able to get the 3X increase, but they didn't even counteroffer. I have 88K income, no baddies, etc.
Maybe I'll have to re-think their card. Just frustrated, that's all since I am super picky with my credit.
THX everyone.
Thanks, isoldmyatlas,
These boards are so great because of info like yours. I could have paid it easily, I guess I didn't read the posts well enough. :
Anyone have a suggesstion about which card I should go for considering my upcoming trip to Eurpoe? Or should I hit Chase for a CLI? I love the card but now the whole idea makes me nervous. EVERYDAY I receive at least 1 Discover It pre-approved invitation in the mail but we all know how that goes and it looks like they don't give a very high CL in the beginning.. Don't want to waste a HP.
Thanks everyone! (Itching to get out of the garden .... hehehe)
@seat3a wrote:Thanks, isoldmyatlas,
These boards are so great because of info like yours. I could have paid it easily, I guess I didn't read the posts well enough. :
Anyone have a suggesstion about which card I should go for considering my upcoming trip to Eurpoe? Or should I hit Chase for a CLI? I love the card but now the whole idea makes me nervous. EVERYDAY I receive at least 1 Discover It pre-approved invitation in the mail but we all know how that goes and it looks like they don't give a very high CL in the beginning.. Don't want to waste a HP.
Thanks everyone! (Itching to get out of the garden .... hehehe)
ERT's have been notified ....