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AMEX CLI WTH?

Contributor

AMEX CLI WTH?

Yesterday was my 60 dau mark for my AMex Delta Gold, so I requested a CLI from 10,500-->14, 900 and was promptly approved. Today is the 60 day mark for my Amex BCP. My request was rejected *sad trombone* and I got the following message. Have you heard of this happening before?

 


Our bank policy does not permit us to increase the line of credit on your account within six months since increasing the line of credit on one of your existing American Express accounts.

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Message 1 of 10
9 REPLIES
Valued Contributor

Re: AMEX CLI WTH?

Interesting

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 10
Community Leader
Valued Contributor

Re: AMEX CLI WTH?

Hello!

Yes- it is Amex policy that you can only request one CLI each 6 months (including the 61 Day CLI)  across all cards.  So since you got the CLI on the Delta- no CLI again for any other cards for 6 months.  6 months from now- you may request a 3X CLI again for one if your cards.  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 3 of 10
Contributor

Re: AMEX CLI WTH?

Thanks so much!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Message 4 of 10
Valued Contributor

Re: AMEX CLI WTH?


severine wrote:

Yesterday was my 60 dau mark for my AMex Delta Gold, so I requested a CLI from 10,500-->14, 900 and was promptly approved. Today is the 60 day mark for my Amex BCP. My request was rejected *sad trombone* and I got the following message. Have you heard of this happening before?

 


Our bank policy does not permit us to increase the line of credit on your account within six months since increasing the line of credit on one of your existing American Express accounts.


 

If you got a CLI on an AMEX, you have to wait 6 months for another CLI request for any other AMEX account you have.   If you just got a CLI on your AMEX Delta Gold, you won't be able to request a CLI on your BCP for 6 months.

 

So it's not unusual or a bad sign, just AMEX's policy.

Message 5 of 10
Established Contributor

Re: AMEX CLI WTH?

+1

Message 6 of 10
Member

Re: AMEX CLI WTH?

Congrats on the CLI! Does anyone know if the 61 day request results in a HP?

Message 7 of 10
Valued Contributor

Re: AMEX CLI WTH?


oso613 wrote:

Congrats on the CLI! Does anyone know if the 61 day request results in a HP?


 

It doesn't unless you end up talking to a rep and they ask your permission.  Otherwise it goes off the last pull (soft)  they did that's in the system.

Message 8 of 10
Valued Contributor

Re: AMEX CLI WTH?

That's good to know!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 9 of 10
Highlighted
Member

Re: AMEX CLI WTH?

Thanks Ryvision!

Message 10 of 10