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AMEX CLI Denied :(

Frequent Contributor

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?

Message 1 of 12
11 REPLIES
Established Contributor

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 |
Message 2 of 12
Frequent Contributor

Re: AMEX CLI Denied :(

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

Message 3 of 12
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 4 of 12
Established Contributor

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 |
Message 5 of 12
Frequent Contributor

Re: AMEX CLI Denied :(

What did the letter you've got said ?

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 6 of 12
Frequent Contributor

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.

Message 7 of 12
Valued Member

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.

Message 8 of 12
Frequent Contributor

Re: AMEX CLI Denied :(

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

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 9 of 12
Valued Contributor

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.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 10 of 12