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AMEX Hates Me?

Established Contributor

Re: AMEX Hates Me?


kevinjjc wrote:

scenery_guy wrote:

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. 


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


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

Message 21 of 23
Valued Contributor

Re: AMEX Hates Me?


scenery_guy wrote:

kevinjjc wrote:

scenery_guy wrote:

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. 


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


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


All AmEx revolvers.

Message 22 of 23
Highlighted
Regular Contributor

Re: AMEX Hates Me?

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

My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 23 of 23