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Contributor
cloyd
Posts: 89
Registered: ‎03-01-2012
0

Re: AMEX CLI denied!

I've only tried the x3 once and was declined (on the >61 day), after that I usually stuck to x2 or x2.5, and have been successful. YMMV as usual.

Starting Score (3/2/12): EQ: 573 TU:605 EX:634 CK:628Current Score (5/04/12): EQ:719 TU:704 (FICO) EX: 714 (FICO) CK:704
Goal Score: 720 across the board

AMEX Delta Plat/SPG/BCE/Zync I JP Morgan Select I Chase Sapphire Preferred I Citi Diamond Preferred World MC I Discover More


Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: AMEX CLI denied!


cloyd wrote:

I've only tried the x3 once and was declined (on the >61 day), after that I usually stuck to x2 or x2.5, and have been successful. YMMV as usual.


I'm probably going to the same. I have Amex Delta with 2k CL. I want the magic 5k CL so will ask for a 2.5x CLI and be happy with it :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: AMEX CLI denied!

Mine was at 9500. I asked to be bump to 21000, figuring that might be conservative, given all the "success" stories I've seen of the 3x CLI's.

Reading these boards will do strange things to your expectations.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: AMEX CLI denied!


FrugalRican wrote:

Mine was at 9500. I asked to be bump to 21000, figuring that might be conservative, given all the "success" stories I've seen of the 3x CLI's.

Reading these boards will do strange things to your expectations.


Well, its all relative. You have to consider how high of a limit you recieve from the get go. Its alot different going from 2k to 4k then 9500 to 21k. That 3x rule is abolutely unrealistic for the most part when you start off with a high 4 figure limit. I doubt they give out lines over 25k if so, rare.

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AMEX CLI denied!

Is requesting 3xcli from $3500 to $10500 unrealistic?! I have one other card at $12k. It'd be awesome to have a $10,000+ cl with Amex. :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
nenuco
Posts: 228
Registered: ‎07-30-2011
0

Re: AMEX CLI denied!

I'm interested in gathering information on a similar scenario: $3,000 > $9,000. Thanks

Garden Mode... kind of... sort of (•‿•)
Established Member
Tikon
Posts: 37
Registered: ‎04-23-2012
0

Re: AMEX CLI denied!

got my recon decision back: denied. Still at $5400 credit line. I have to wait on mail to find out the reason. I think they should have given me something lower at least considering how much I've run through the card in 6 months.

Credit cards: $5400 AmEx BlueCash Everyday, $5000 BOA Signature Visa, $5500 Discover, $4000 Citi Plat Select, $1500 CapitalOne Platinum, $5000 B&N Barclaycard, $5000 Elan Financial, $4700 Chase Freedom, $2000 CapitalOne Journey (AU), $500 Chase Amazon, $600 Shell, $500 Kohls, $500 Goodys, $450 JCPenny
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: AMEX CLI denied!

While the 3xCLI  is never guaranteed, it does seem people have good success with it and if not the full 3x at least a counter. Have you gained other CC accounts since you acquired your Amex. This might be the only negative thing I could think about going on an app spree with the BCE in mind because when you app'd they would have not seen the new accounts. But, when you request a CLI at your 61 day mark, they suddenly see other accounts and their associated CL's and the computer might kick back that the current limit they gave you exceeds how much total CL Amex believes you are "safe" to have.

 

 I will have to let you know how it goes when I request from 7,500 to 22,500. This would be a huge jump so I wonder what it would be.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AMEX CLI denied!

Well... In my case I opened a Discover at the same time as my BCE. Neither account is reporting yet. I don'y believe they'd view one add'l account being opened as a reason to not honor a 3xcli, but I did just start banking with Amex lol so I'm not all that familiar with them. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AMEX CLI denied!

Do people actually get counter clis with Amex... In alk my years of credit building, I've not once gotten a counter cli request lol... I either get it or I don't... Or gey higher lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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