Amex CLI denied

[Crashem]

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@andre181 wrote:

Definitely. I'm always very aware of my CC usage considering my low-ish income. My util is never more than 5%

I have a lot in student loans though and I think that is what worries AMEX. Its about $45k so far and will be at *gulp* about $60k when I graduate.

That and a lot of inquiries (10) are the only things that AMEX cite as my reasons for denial. My EX FICO is 754 according to them so its not a credit issue, but a low income issue.

But other than that, my CR's are stellar (in my opinion). No lates, no collections, nothing adverse. Paid and closed auto loan with original balance of $13,499 which was PIF in 15 months.

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student loans on deferment?  If so, you might call cli department and explain situation.  Computer model has hard time with deferred loans  vs income.

[andre181]

Hmm, interesting. They are all in in-school deferment, except one very small one which in grace for 7 more months.

I might give them a call.