Credit Cards

[xiownthisplacex]

My 61st day is today for my BCE so I asked for the 3x CLI and was denied, letter 7-10 days out. Called them up, was told that I have a 729 EX Fico score, but a high internal risk score :/

Gotta wait 6 months now right?

[CruzImperial]

Nooo ! We cant have denials :[

High internal score must be linked to the way you use the card.

[xiownthisplacex]

I have only charged $180 total in the 2 months and paid before statement cut..

[jamesdwi]

I think you have to wait 90 days after a denial, that is the number I have read in a number of posts. If you are granted a CLI then you have to wait 6 months afterwards to apply for your next CLI no matter how many cards you have. 

[CruzImperial]

Maybe they like to see the high usage? Did you ask how the high risk score is calculated and what impacts it the most?

Hopefully someone here knows the answer.

[DeadSpider]

What did the letter you've got said ?

[xiownthisplacex]

Nope, didn't ask them, I was in my car and got a "non english speaking rep" so it was hard to understand her.

I haven't received the letter yet, it's 7-10 days out, when I get it I will call back.

[HankNY]

Nope, didn't ask them, I was in my car and got a "non english speaking rep"

You were speaking to her in non english.

[DeadSpider]

Do you have OTHER CC with balances ? Car loan ? New CC last few months ?

[j_casteel]

I'm hoping my AMEX internal score is looking good.

Unfortunately, I have the Zync with $500 hard limit, but since I replaced my debit card with it since June I have been averaging $2,000 a month through it. I just have to make lots of payments to keep it down enough to do that. I have the Zync and am a AU on a Blue with $33,300 so I'm hoping after the new year I'll be good enough with them to get a NPSL charge and if approved I'll go for a revolver at that time.