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Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

AMEX CLI Denied :(

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?


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$1,600
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: AMEX CLI Denied :(

Nooo ! We cant have denials :[

High internal score must be linked to the way you use the card.
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

Re: AMEX CLI Denied :(

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


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$1,600
Valued Contributor
jamesdwi
Posts: 1,421
Registered: ‎09-16-2011

Re: AMEX CLI Denied :(

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. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: AMEX CLI Denied :(

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.
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012

Re: AMEX CLI Denied :(

What did the letter you've got said ?

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

Re: AMEX CLI Denied :(

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.


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$1,600
Valued Member
HankNY
Posts: 73
Registered: ‎06-18-2012

Re: AMEX CLI Denied :(

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.

Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012

Re: AMEX CLI Denied :(

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

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Valued Contributor
j_casteel
Posts: 1,679
Registered: ‎06-21-2012

Re: AMEX CLI Denied :(

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.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:698
Goal Score: 700
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