AMEX Hates Me?

[scenery_guy]

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@kevinjjc wrote:

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@scenery_guy wrote:

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@CreditScoreBlueprint wrote:

Okay, I called them up to see what the deal was. Apparently, since they don't do hard pulls, they go off of the last available soft pull that they have on file - which was in November. And I had high credit usage at that time. They also mentioned that my auto loan balance was too close to the original balance (never knew companies paid attention to that). So basically they have a 670 FICO score on file for me, when my current FICO is actually 760.

They said that I could send them the report via fax and they would re-evaluate the request, or I could just wait 90 days and request a CLI again. 

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That's solid info, glad you called. So what are you going to do? The 90 day wait is interesting as all I ever hear is 6 months between CLI requests. 

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6 months after an approved CLI, 90 days after a declined CLI.

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Do we believe that's product specific per card or across the board inclusive of all cards? 

[kevinjjc]

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@scenery_guy wrote:

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@kevinjjc wrote:

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@scenery_guy wrote:

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@CreditScoreBlueprint wrote:

Okay, I called them up to see what the deal was. Apparently, since they don't do hard pulls, they go off of the last available soft pull that they have on file - which was in November. And I had high credit usage at that time. They also mentioned that my auto loan balance was too close to the original balance (never knew companies paid attention to that). So basically they have a 670 FICO score on file for me, when my current FICO is actually 760.

They said that I could send them the report via fax and they would re-evaluate the request, or I could just wait 90 days and request a CLI again. 

---

That's solid info, glad you called. So what are you going to do? The 90 day wait is interesting as all I ever hear is 6 months between CLI requests. 

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6 months after an approved CLI, 90 days after a declined CLI.

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Do we believe that's product specific per card or across the board inclusive of all cards? 

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All AmEx revolvers.

[cutemarty1]

Still stuck at 2,000 here darn!   Am waiting for an auto-CLI.  Am afraid a phone automated CLI will cause an HP