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Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

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: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

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 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | 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 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

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: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Valued Contributor
Posts: 2,281
Registered: ‎09-16-2011
0

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 & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

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 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | 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 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Frequent Contributor
Posts: 264
Registered: ‎07-29-2012
0

Re: AMEX CLI Denied :(

What did the letter you've got said ?

Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

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: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Valued Member
Posts: 73
Registered: ‎06-18-2012
0

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.

Frequent Contributor
Posts: 264
Registered: ‎07-29-2012
0

Re: AMEX CLI Denied :(

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

Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

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 $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
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