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Amex 61 days from activation, not email approval

Regular Contributor

Amex 61 days from activation, not email approval

Well I reached the 61 day after email approval today (approved July 6 2012). Having conducted a little research beforehand I read on some threads (even on myfico) where people claim to have gotten a CLI 61 days after the email approval. I want to dispel that myth. I didn't get an increase just the "Our bank policy does not permit us to increase the line of credit on your account within sixty days since opening this account" electronic letter.

 

So now what, do I wait 6 months? Was it a hard or soft pull?

 

Hopes this helps someone else considering requesting a CLI 61 days from email approval.

 

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 1 of 9
8 REPLIES
Regular Contributor

Re: Amex 61 days from activation, not email approval


HenryJumbo wrote:

So now what, do I wait 6 months? Was it a hard or soft pull?

 


 

Just wait a few more days until it actually has been 60 days, and then try again.  The request was never processed, so they didn't pull you at all.

Message 2 of 9
Regular Contributor

Re: Amex 61 days from activation, not email approval

Thx. I don't know about applying in a few days because I recieved my card 2-3 weeks after I was approved lol (long story).

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 3 of 9
Community Leader
Valued Contributor

Re: Amex 61 days from activation, not email approval

You can actually call a CS rep and ask them how many days old your account is... sounds funny but they will answer you so that you know when to app the 61 day CLI.


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 4 of 9
Valued Contributor

Re: Amex 61 days from activation, not email approval

you should of waited until your second statement ends...at least thats what im doing

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 9
Regular Contributor

Re: Amex 61 days from activation, not email approval


improvingmycredit wrote:

You can actually call a CS rep and ask them how many days old your account is... sounds funny but they will answer you so that you know when to app the 61 day CLI.


I would do that but I've called Amex a lot since I had a problem getting my card in the beginning and I don't want to be logged in as a person who calls all the time lol

 


jsickz32 wrote:

you should of waited until your second statement ends...at least thats what im doing


 

 Interesting... my second statement just closed, and the due date is Sep 21 do I wait until then?

 

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 6 of 9
Senior Contributor

Re: Amex 61 days from activation, not email approval

Sorry to hear that. I know some people here have said that they got CLI 61 days after approval and didn't wait for 61 days after activation. But others have said that it's activation, so I erred on the side of caution and waited until 62 or 63 days after activation -- added a couple of days because of Leap Day this year.

 

If you can figure out around when you got your card and then count from that point and add a few days for extra measure, you could try again. I've read here that if you call in too early, you do have to wait the regular time period because you will have been denied the CLI. But it probably couldn't hurt to try. If it doesn't work, then you'll just need to count from that point until you try again.

 

BTW, statements aren't necessarily timed based on when you opened your acct., so I would not use that to decide when you call.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 7 of 9
Valued Contributor

Re: Amex 61 days from activation, not email approval

my due date is sept 19 and stament cuts 21 so im waiting until the 22 to ask

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 9
Highlighted
Frequent Contributor

Re: Amex 61 days from activation, not email approval

I'm fairly sure it is 61 days after activation. For me, the time between approval and activation was about 8 days.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 9 of 9