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Contributor
severine
Posts: 122
Registered: ‎08-19-2012
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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
Valued Contributor
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
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Re: AMEX CLI WTH?

Interesting

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Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
0

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, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

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
Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
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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.

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: AMEX CLI WTH?

+1

Member
oso613
Posts: 8
Registered: ‎10-23-2010
0

Re: AMEX CLI WTH?

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

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

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.

Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: AMEX CLI WTH?

That's good to know!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
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Member
oso613
Posts: 8
Registered: ‎10-23-2010
0

Re: AMEX CLI WTH?

Thanks Ryvision!


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