AmEx chat rep says early CLI requests resets clock

[Existentialist]

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@newhis wrote:

As 1 week ago this isn't true, my DW tried a CLI early got denied, tried again at 92 days from first denial and got approved for 3X.

I bet they were only told that it is 90 days from denial, they don't know that for a denial you need to be entitled to request, so every request before the 90 days (from denial) and 180 days (from approval) are not considered denials because we are not entitled a request until that time.

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Correct. If denial is based upon submitting request too soon this does NOT reset clock. As Irish said, prolly best to check boards first given that as a general rule most CSRs are unreliable on matters of policy.

[Ghoshida]

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@Anonymous wrote:

I requested a CLI for my BCE today, knowing I might be a little early, but I couldn't remember the exact date. Request was declined. The chat rep says that now I have to wait another 90 days from today, because I reset the clock when I requested. I have read here several times that it does not reset the clock if you request too early. Is the chat rep incorrect?

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In my experience, in most of the cases, AMEX chat reps, especially the ones handling the blue cash line of products, are very ill-trained and have no understanding of their company's policies whatsoever.

So far, I've been told at least 3 incorrect things:

(1) Whole Foods is not a grocery store. Yeah, but your company actually lists it as a grocery store on your webpage. Cut the crap on merchant codes.

(2) Reward points (dollars) shown on the statement take 2 business cycles to update online. Well, 2-3 days maybe, not 2 business cycles.

(3) You need to wait 180 more days after your last try because you tried 2 days too early. So try in October. Well, I tried after 2 days and got the increase.

Oh and during my last chat to find out about upgrade opportunities, the rep was far more busy trying to get me to upgrade from BCE to BCP than answering my question. Every chat message ended with, "So, can I go ahead and upgrade the card?" Sure, I wanted to (and eventually did) upgrade, but just hear my questions out first !

I just don't get how AMEX ranks so high on CS. What kind of CS are people even talking about here? 

[Anonymous]

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@Ghoshida wrote:

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@Anonymous wrote:

I requested a CLI for my BCE today, knowing I might be a little early, but I couldn't remember the exact date. Request was declined. The chat rep says that now I have to wait another 90 days from today, because I reset the clock when I requested. I have read here several times that it does not reset the clock if you request too early. Is the chat rep incorrect?

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In my experience, in most of the cases, AMEX chat reps, especially the ones handling the blue cash line of products, are very ill-trained and have no understanding of their company's policies whatsoever.

So far, I've been told at least 3 incorrect things:

(1) Whole Foods is not a grocery store. Yeah, but your company actually lists it as a grocery store on your webpage. Cut the crap on merchant codes.

(2) Reward points (dollars) shown on the statement take 2 business cycles to update online. Well, 2-3 days maybe, not 2 business cycles.

(3) You need to wait 180 more days after your last try because you tried 2 days too early. So try in October. Well, I tried after 2 days and got the increase.

Oh and during my last chat to find out about upgrade opportunities, the rep was far more busy trying to get me to upgrade from BCE to BCP than answering my question. Every chat message ended with, "So, can I go ahead and upgrade the card?" Sure, I wanted to (and eventually did) upgrade, but just hear my questions out first !

I just don't get how AMEX ranks so high on CS. What kind of CS are people even talking about here? 

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Out of the few cards I have, Discover is definitely the best CS I have had.

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

If the CCC ever decide to mass hire a lot of well educated credit specialists, I think we could all have jobs! I knew that I would get better info here than on chat.

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Right, but probably not for UW positions as we are a little lax!    "I see you had a BK, but hey, that was almost a week ago, so I think we can start you on $15K, and you can ask for a CLI tomorrow."

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[Anonymous]

Assuming this was a new card and the OP doesn't have any other Amex cards that have received a CLI in the last six months, how can a request be "too soon", when there is no longer any such thing as "too soon"? In that scenario, it would be a 90 day wait.

[Santi78342]

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@Anonymous wrote:

Assuming this was a new card and the OP doesn't have any other Amex cards that have received a CLI in the last six months, how can a request be "too soon", when there is no longer any such thing as "too soon"? In that scenario, it would be a 90 day wait.

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"Too soon" as in it hasn't been at least 90 days from last denial or 180 days since last approval. 

[Anonymous]

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@Santi78342 wrote:

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@Anonymous wrote:

Assuming this was a new card and the OP doesn't have any other Amex cards that have received a CLI in the last six months, how can a request be "too soon", when there is no longer any such thing as "too soon"? In that scenario, it would be a 90 day wait.

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"Too soon" as in it hasn't been at least 90 days from last denial or 180 days since last approval. 

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Perhaps you missed Assuming this was a new card.

[Anonymous]

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@Santi78342 wrote:

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@Anonymous wrote:

Assuming this was a new card and the OP doesn't have any other Amex cards that have received a CLI in the last six months, how can a request be "too soon", when there is no longer any such thing as "too soon"? In that scenario, it would be a 90 day wait.

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"Too soon" as in it hasn't been at least 90 days from last denial or 180 days since last approval. 

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It is kind of a new card. I requested the 3x CLI upon activation and was denied. But I wasn't completely sure of the date to count the 90 days out so yesterday's request was too early.