Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 869
Registered: ‎07-04-2012
0 Kudos

Re: AMEX CLI denied!

jffy wrote:

Just joined to report that I also just got denied a CLI request. I have 3 AMEX cards (5k, 5k, 10k), last one added a little over 6 months ago. I have 9 total cards with 65k total limits, 12% utilization, 6k balance on one 0% card, no late payments ever, and 782 on CreditKarma. 12k student loan debt. 


I've requested a few CLI's from AMEX in the past and always had them immediately accepted. I'd never asked for 3x my current limit though. This time, at 6.5 months since adding that last card, I requested a CLI from 10k to 25k. Immediately rejected with this message:



We were unable to approve the amount you requested.

Reason(s) for Our Decision
Your overall debt with other creditors listed in your credit bureau report and the credit limits on your American Express Cards in relation to your reported income.



It's a bummer. I guess I shouldn't have asked for so much, but I'd heard so much about the 3x standard and every other request had been immediately accepted, so I expected great things. 


Is it 3 months to wait before requesting again after a denial? Or 6 months?



It's 3 months after denial like previously said and you may also need to reduce your util before applying or else the outcome would most likely not change much.


Anyways Welcome to the Forum!!

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 |

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.