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Regular Contributor
cutemarty1
Posts: 170
Registered: ‎02-03-2011

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 : AMEX Zync-CLOSED/ Home Depot 16.5 K / CSP 12k/ CU Visa 11k/ Citi World 11k / BoA PLat 10k / Discover 9k/ Hyatt Visa Sig 5k / United Exp 5K / Freedom 0.5 K / Bestbuy 2.4K/ Nordstrom 2.5K / Hilton AMEX 2k/ Macy's Store 1.7K/ / BBRZ Gold 1.4K / Express 1.4K/ AE 0.4K
Frequent Contributor
drsmith
Posts: 384
Registered: ‎11-27-2010

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 743 2/9/12 TU 734 2/11/12
Goal Score: 750


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Moderator
Revelate
Posts: 4,285
Registered: ‎12-30-2011

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 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)


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Valued Contributor
Walt_K
Posts: 2,624
Registered: ‎11-02-2009

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 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720


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Frequent Contributor
Jake0215
Posts: 259
Registered: ‎11-10-2011

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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Established Member
cs91
Posts: 24
Registered: ‎01-25-2012

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?





Current Score: EQ 720 TU 729 EX 733
Goal Score: 750 ACROSS THE BOARD


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Regular Contributor
cutemarty1
Posts: 170
Registered: ‎02-03-2011

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 : AMEX Zync-CLOSED/ Home Depot 16.5 K / CSP 12k/ CU Visa 11k/ Citi World 11k / BoA PLat 10k / Discover 9k/ Hyatt Visa Sig 5k / United Exp 5K / Freedom 0.5 K / Bestbuy 2.4K/ Nordstrom 2.5K / Hilton AMEX 2k/ Macy's Store 1.7K/ / BBRZ Gold 1.4K / Express 1.4K/ AE 0.4K
Valued Member
Link2k
Posts: 65
Registered: ‎04-17-2012

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
cutemarty1
Posts: 170
Registered: ‎02-03-2011

Re: AMEX CLI Denied.

Got it.  2 more days.... 

My TL : AMEX Zync-CLOSED/ Home Depot 16.5 K / CSP 12k/ CU Visa 11k/ Citi World 11k / BoA PLat 10k / Discover 9k/ Hyatt Visa Sig 5k / United Exp 5K / Freedom 0.5 K / Bestbuy 2.4K/ Nordstrom 2.5K / Hilton AMEX 2k/ Macy's Store 1.7K/ / BBRZ Gold 1.4K / Express 1.4K/ AE 0.4K
Regular Contributor
cutemarty1
Posts: 170
Registered: ‎02-03-2011

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 : AMEX Zync-CLOSED/ Home Depot 16.5 K / CSP 12k/ CU Visa 11k/ Citi World 11k / BoA PLat 10k / Discover 9k/ Hyatt Visa Sig 5k / United Exp 5K / Freedom 0.5 K / Bestbuy 2.4K/ Nordstrom 2.5K / Hilton AMEX 2k/ Macy's Store 1.7K/ / BBRZ Gold 1.4K / Express 1.4K/ AE 0.4K

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