Amex CLI denied due to credit score :(

[Membersince2013]

I tried to do a CLI because i thought my 61 days were up. I got the 7 - 10 days reply, so i hit up the chat lines. I was told that i was declined due to "credit score". My experian score is 720+, unless if it changed overnight. Anyone ever experienced something like that from Amex?

[jaebsf]

"Credit score" can be a difficult thing to understand with AmEx because in addition to a FICO score based on credit report they also use a propreitary scoring system. Which they don't discuss by the way.

[eagle2013]

Sorry OP, I go for my 3x CLI on Saturday. I'm not confident I'll get it since I have tons of EX inqs and new accounts. I notice AMEX softs my report once an inq hits.

[SunriseEarth]

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@Membersince2013 wrote:

I tried to do a CLI because i thought my 61 days were up. I got the 7 - 10 days reply, so i hit up the chat lines. I was told that i was declined due to "credit score". My experian score is 720+, unless if it changed overnight. Anyone ever experienced something like that from Amex?

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Could be your internal AMEX score.   What's your usage of the AMEX like?

[enharu]

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@jaebsf wrote:

"Credit score" can be a difficult thing to understand with AmEx because in addition to a FICO score based on credit report they also use a propreitary scoring system. Which they don't discuss by the way.

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+1.

you can call again and ask them for the score they used to evaluate your request. If the CSR mentioned a risk score, then that is Amex's internal scoring system. 

[peaceonearth]

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@Membersince2013 wrote:

I tried to do a CLI because i thought my 61 days were up. I got the 7 - 10 days reply, so i hit up the chat lines. I was told that i was declined due to "credit score". My experian score is 720+, unless if it changed overnight. Anyone ever experienced something like that from Amex?

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Yes, AMEX uses their internal score system.

[Membersince2013]

I called in and apparently the chat rep must have made up the "credit score" part. The lady i spoke with said it has to be reviewed by a dedicated team that does that kind of thing. She says she doesnt do it and lamented on my payment history. My Uti is 19%. I hope they approve it because i need some flexibility on that Costco card. My GF charges way too much on it and i have to pay for actually use after she runs the damn it up to 90% utilization.

[takeshi74]

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@Membersince2013 wrote:

My experian score is 720+, unless if it changed overnight.

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Where did you get this score?  Keep in mind that whatever score you get may differ from what AmEx gets due to differences in models.

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@peaceonearth wrote:

Yes, AMEX uses their internal score system.

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They use both FICO and their own internal system.  The two aren't mutually exclusive.