Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Valued Contributor
youngandcreditwrthy
Posts: 3,765
Registered: ‎08-16-2012

Re: AMEX CLI Denied Again

Options

‎11-07-2012 06:32 AM

Btw... Have you changed your reported income every time you requested a cli? That could be why.
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 11 of 15 (240 Views)
 
Reply
Frequent Contributor
xiownthisplacex
Posts: 254
Registered: ‎08-29-2011

Re: AMEX CLI Denied Again

Options

‎11-07-2012 07:02 AM

Nope, income is the same from when I applied and when I requested the two CLI and I told them exactly how much I make, no need to lie to them.

I don't have anything negative on my reports, ever. Always PIF, except for 0% offers and util is at 6%.

I'm gonna call them up when I get a chance and if my reports aren't enough for them, they can close my accounts.

Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits
NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600
Message 12 of 15 (228 Views)
 
Reply
Frequent Contributor
Razeus
Posts: 349
Registered: ‎04-02-2012

Re: AMEX CLI Denied Again

Options

‎11-07-2012 07:06 AM

This is why I think this game we play is completely random.  My credit is worse than yours, yet they had no problem CLI'ing me $2k yesterday after only 61 days. Random, this game is.

My Scores:
FICO (Oct '11): EQ - 491 | TU - 523 | EX - 481 (all tri-merge)
FICO: EQ - 653 (Aug '12) | TU - 700 (Nov '12) | EX - 687 (Aug '12)

My Wallet:
Discover It $11,000 | Chase Freedom $5000 | AMEX BCE $3000 | Paypal Extras Platinum $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL

I want:
AMEX BCP | Chase Sapphire Preferred | US Bank Cash+ | Citibank Dividend Preferred
Message 13 of 15 (222 Views)
 
Reply
Frequent Contributor
xiownthisplacex
Posts: 254
Registered: ‎08-29-2011

Re: AMEX CLI Denied Again

Options

‎11-07-2012 07:16 AM

Razeus wrote:

This is why I think this game we play is completely random.  My credit is worse than yours, yet they had no problem CLI'ing me $2k yesterday after only 61 days. Random, this game is.

I think you might be right lol.

Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits
NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600
Message 14 of 15 (217 Views)
 
Reply
Valued Contributor
youngandcreditwrthy
Posts: 3,765
Registered: ‎08-16-2012

Re: AMEX CLI Denied Again

Options

‎11-07-2012 07:27 AM

Yeah... They probably check every 100th person that requests a cli's financials... Maybe it's not just a "flag" type of system.
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 15 of 15 (205 Views)
 
Reply

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+