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Regular Contributor
Posts: 218
Registered: ‎02-03-2011
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AMEX CLI Denied.

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account :smileysad:

 

Thanks. More power and more credit line increases to all! :smileyhappy:

 

 

My TL : BCE AMEX 24k / BoA123 Sig 24k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Discover 13.5k / Citi World WEMC12.8k / CU Visa 11k/ Nordstrom Visa 10K / Freedom 10k / Citi AA 9.1k / Macy's Store 3K / Best buy 2.4K / BBRZ Gold 1.4K / AE 1.4k / Express 1.4K/
Frequent Contributor
Posts: 389
Registered: ‎11-27-2010
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Re: AMEX CLI Denied.

I've been declined twice now

 

At least they initially matched my highest line at $7k 


Starting Score: 703
Current Score: EQ 773 4/11/14
Goal Score: 800


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Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
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Re: AMEX CLI Denied.

From what I've read here, and if I remember correctly, you can request a CLI 61 days after opening.  I'd be stunned if it were a HP: you got kicked out before they even looked at your report most likely, and traditionally Amex CLI's are SP's anyway.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: AMEX CLI Denied.


cutemarty1 wrote:

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account :smileysad:

 

Thanks. More power and more credit line increases to all! :smileyhappy:

 

 



Doubt it was a hard pull.  Amex is usually (always?) a soft for CLI requests.

 

I also don't think it resets your clock, so you should be good to request again in a couple days.  This I'm not so sure about though. 

 

As for timing, it is no CLIs in first 60 days.  So you have to wait until day 61.  I think that counts from account activation.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Frequent Contributor
Posts: 260
Registered: ‎11-10-2011
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Re: AMEX CLI Denied.


cutemarty1 wrote:

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account :smileysad:

 

Thanks. More power and more credit line increases to all! :smileyhappy:

 

 


ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


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Contributor
Posts: 88
Registered: ‎01-25-2012
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Re: AMEX CLI Denied.

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?

Chase Marriott (39.5K) NASA FCU (30K) USAA World MC (30K) NFCU CashRewards (27K) Costco TE Amex (19K) PenFed Promise (12K) Chase Sapphire Preferred (9K) Chase MileagePlus Explorer (5K)


Regular Contributor
Posts: 218
Registered: ‎02-03-2011
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Re: AMEX CLI Denied.


cs91 wrote:

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?


OMG. :smileysurprised:

 

Anyway, tried reading numerous AMEX CLI threads  -- one dude also jumped the gun and called again in a few days.

 

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!

My TL : BCE AMEX 24k / BoA123 Sig 24k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Discover 13.5k / Citi World WEMC12.8k / CU Visa 11k/ Nordstrom Visa 10K / Freedom 10k / Citi AA 9.1k / Macy's Store 3K / Best buy 2.4K / BBRZ Gold 1.4K / AE 1.4k / Express 1.4K/
Valued Member
Posts: 65
Registered: ‎04-17-2012
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Re: AMEX CLI Denied.


cutemarty1 wrote:

cs91 wrote:

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?


OMG. :smileysurprised:

 

Anyway, tried reading numerous AMEX CLI threads  -- one dude also jumped the gun and called again in a few days.

 

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!


April 27.

 

61 days or you'll get the same response.

Regular Contributor
Posts: 218
Registered: ‎02-03-2011
0

Re: AMEX CLI Denied.

Got it.  2 more days.... 

My TL : BCE AMEX 24k / BoA123 Sig 24k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Discover 13.5k / Citi World WEMC12.8k / CU Visa 11k/ Nordstrom Visa 10K / Freedom 10k / Citi AA 9.1k / Macy's Store 3K / Best buy 2.4K / BBRZ Gold 1.4K / AE 1.4k / Express 1.4K/
Regular Contributor
Posts: 218
Registered: ‎02-03-2011
0

Re: AMEX CLI Denied.

Just did automated today.  --> CLI Denied due to high risk score. :smileysad: So when, is the next mark(date) for CLI guys? Am so sad today.

My TL : BCE AMEX 24k / BoA123 Sig 24k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Discover 13.5k / Citi World WEMC12.8k / CU Visa 11k/ Nordstrom Visa 10K / Freedom 10k / Citi AA 9.1k / Macy's Store 3K / Best buy 2.4K / BBRZ Gold 1.4K / AE 1.4k / Express 1.4K/
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