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Amex 3x CLI 7-10 Message

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armedxwithxaxmind
Established Member

Amex 3x CLI 7-10 Message

So today is my 61 day so I tried this morning to increase my credit line from $2k to $6k but got the wait 7-10 message. If it's a denial when can I try again? Can calling the number on the back of the card get me information if I got approved or a counter offer right away or should I just wait to see?

Starting Score: TU-685 (MyFico) EQ-634 (myFico) EX-685 (FAKO From Experian)
Current Score: TU-685 (MyFico) EQ-634 (myFico) EX-715 (FICO pulled by Mission Fed 6/12/14)
Goal Score: 750+ on all

Current Cards: Mission Fed CU $5K, Fingerhut $5.5K, Amex BCP $2k, CareCredit $3k, Captial One QS $3.2k, Chase Freedom $2K, USE CU $1k
Message 1 of 23
22 REPLIES 22
AvadaKedavra
Established Contributor

Re: Amex 3x CLI 7-10 Message

Probably doesn't hurt to call. Are you sure it's your 61st day?

Message 2 of 23
armedxwithxaxmind
Established Member

Re: Amex 3x CLI 7-10 Message

I apped for it June 15 & activated my card June 19. It says my account was created June 15 & appear as the statement cut as well on the Amex page so i assumed as well that today would be my 61 day. Could be wrong as well lol

Starting Score: TU-685 (MyFico) EQ-634 (myFico) EX-685 (FAKO From Experian)
Current Score: TU-685 (MyFico) EQ-634 (myFico) EX-715 (FICO pulled by Mission Fed 6/12/14)
Goal Score: 750+ on all

Current Cards: Mission Fed CU $5K, Fingerhut $5.5K, Amex BCP $2k, CareCredit $3k, Captial One QS $3.2k, Chase Freedom $2K, USE CU $1k
Message 3 of 23
AvadaKedavra
Established Contributor

Re: Amex 3x CLI 7-10 Message


@armedxwithxaxmind wrote:

I apped for it June 15 & activated my card June 19. It says my account was created June 15 & appear as the statement cut as well on the Amex page so i assumed as well that today would be my 61 day. Could be wrong as well lol


Sounds about right. I'd call. Worst thing they can say is wait for the letter.

Message 4 of 23
CribDuchess
Established Contributor

Re: Amex 3x CLI 7-10 Message

Check your email as well - sometimes you receive the 7-10 day message and then shortly after you receive an email concerning your request.  Hopefully it is approved, but if not, you can try again in 90 days.  Good luck!

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 5 of 23
armedxwithxaxmind
Established Member

Re: Amex 3x CLI 7-10 Message


@CribDuchess wrote:

Check your email as well - sometimes you receive the 7-10 day message and then shortly after you receive an email concerning your request.  Hopefully it is approved, but if not, you can try again in 90 days.  Good luck!


I called & just told me they have no information on it yet & I should wait for the email & letter first then call the credit department if I have any questions :/ & when would the 90 days be from? From today or?

Starting Score: TU-685 (MyFico) EQ-634 (myFico) EX-685 (FAKO From Experian)
Current Score: TU-685 (MyFico) EQ-634 (myFico) EX-715 (FICO pulled by Mission Fed 6/12/14)
Goal Score: 750+ on all

Current Cards: Mission Fed CU $5K, Fingerhut $5.5K, Amex BCP $2k, CareCredit $3k, Captial One QS $3.2k, Chase Freedom $2K, USE CU $1k
Message 6 of 23
Ysettle4
Valued Contributor

Re: Amex 3x CLI 7-10 Message

How was your utilization for those first 60 days? Any PIF during that time on any of the statements?

769 INQs: 6774 INQs: 5764 INQs: 8UTIL: 2%AAoA: 5yr 8mosTotal Credit Line: $873,950
Message 7 of 23
armedxwithxaxmind
Established Member

Re: Amex 3x CLI 7-10 Message


@Ysettle4 wrote:

How was your utilization for those first 60 days? Any PIF during that time on any of the statements?


PIF Both statement months just the first statement cut with my annual fee postings so it closed with $75 :/ but this statement closed at $0. I spent $1k+ the first month & PIF all of that though.

Starting Score: TU-685 (MyFico) EQ-634 (myFico) EX-685 (FAKO From Experian)
Current Score: TU-685 (MyFico) EQ-634 (myFico) EX-715 (FICO pulled by Mission Fed 6/12/14)
Goal Score: 750+ on all

Current Cards: Mission Fed CU $5K, Fingerhut $5.5K, Amex BCP $2k, CareCredit $3k, Captial One QS $3.2k, Chase Freedom $2K, USE CU $1k
Message 8 of 23
CreditPlay
Frequent Contributor

Re: Amex 3x CLI 7-10 Message

Today is my 61 day as well. Applied and got an emai to check the status and it was approved. I found the email in my junk folder, so if you are sure you dint receive any email. Call them up tomo morning. good luck!


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 9 of 23
AvadaKedavra
Established Contributor

Re: Amex 3x CLI 7-10 Message


@armedxwithxaxmind wrote:

@Ysettle4 wrote:

How was your utilization for those first 60 days? Any PIF during that time on any of the statements?


PIF Both statement months just the first statement cut with my annual fee postings so it closed with $75 :/ but this statement closed at $0. I spent $1k+ the first month & PIF all of that though.


Hmmm, whats your overall debt and income? Any student/auto/home/personal loans? Any negatives on your CR?

Message 10 of 23
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