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Amex 3x CLI denial any suggestions?????

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mrcredit7
New Contributor

Amex 3x CLI denial any suggestions?????

Applied online today (AMEX BCE) cli and got 7-10 day message.. CSR said account was too short & old baddies from 6 years ago..Told me to try again in 90 days. What should i do?

Message 1 of 21
20 REPLIES 20
red259
Super Contributor

Re: Amex 3x CLI denial any suggestions?????


@mrcredit7 wrote:

Applied online today (AMEX BCE) cli and got 7-10 day message.. CSR said account was too short & old baddies from 6 years ago..Told me to try again in 90 days. What should i do?


Try again in 90 days. Amex isn't very good with recon, unless there is an error in your credit report . You didn't get any sort of CLI?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 2 of 21
red259
Super Contributor

Re: Amex 3x CLI denial any suggestions?????

How old is your account? Has it been 61 days since you opened it?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 21
mrcredit7
New Contributor

Re: Amex 3x CLI denial any suggestions?????

no increase..

Message 4 of 21
mrcredit7
New Contributor

Re: Amex 3x CLI denial any suggestions?????

Got account on July 18, 2013..I thought today would be my 61st

Message 5 of 21
red259
Super Contributor

Re: Amex 3x CLI denial any suggestions?????

I only ask because one of the things they claimed was your account is too short, which I thought was odd. It seems like you have 61days.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 21
red259
Super Contributor

Re: Amex 3x CLI denial any suggestions?????

What CL did they give you initially?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 7 of 21
mrcredit7
New Contributor

Re: Amex 3x CLI denial any suggestions?????

$2K with a 720 from EX.

Message 8 of 21
red259
Super Contributor

Re: Amex 3x CLI denial any suggestions?????

Hmm, I honestly don't know. Maybe others on the board have had similiar experiences. People normally seem to get some sort of CLI counteroffer if they don't get the x3. I'm a bit disappointed to hear they are focusing on your baddies from six years ago, since they knew about those when they issued the card. Is this your first amex? If so, maybe they just want to see how you do for the first 4-6 months before their comfortable and then you can start getting limit increases? Also, do you have other cards in general? Maybe it can happen with a thin file?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 9 of 21
Exonumist
Established Contributor

Re: Amex 3x CLI denial any suggestions?????

Try again in 90 days. I was initially denied the 61 day as well. 90 days later they countered and gave me 2x. If your ever denied an increase with AMEX wait 90 days and try again. If your approved wait 6 months and try again. 

Message 10 of 21
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