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AMEX CLI Denied.

Established Contributor

Re: AMEX CLI Denied.

@cutemarty1, do u know if your EX score has gone up? Whats your balance on the card and your overall utilization?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 21 of 26
Regular Contributor

Re: AMEX CLI Denied.


gettnthere wrote:
@cutemarty1, do u know if your EX score has gone up? Whats your balance on the card and your overall utilization?

 

I think it's hovering now at 684.

 

Over-all util - 5%.   AMEX Hilton Util - 25%.

My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 22 of 26
Established Contributor

Re: AMEX CLI Denied.

Oh, dang I hate to say it but Considering that your score has gone down instead of up since u last called them its very likely they will deny u again. But maybe I'm wrong and someone else can chime in and correctly me. Do u know why your score has dropped 16 points in the last couple months?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 23 of 26
Regular Contributor

Re: AMEX CLI Denied.

i recently applied and got mortgage approved. i just signed my life away.
My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 24 of 26
Regular Contributor

Re: AMEX CLI Denied.

guys, 

 

its been 60+ days, is it time to do a CLI request #3? first two were shot down. stuck at 2k. Current utilization 850ish/2000.   I just this card as an autopay for my att bills. 400 payment would kick in on Oct 19 since that's the only amount due.

 

Any tips?

 

My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 25 of 26
Highlighted
Blogger

Re: AMEX CLI Denied.

I'd wait til the balance was 0 and then ask for it.

 

You might get denied again though. You have recent inquiries and within the year, your score went down.

Do you have any idea what it might be at right now?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 26 of 26