Valued Contributor
Posts: 3,098
Registered: ‎01-26-2012

Re: Amex CLI denied

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.



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

Established Contributor
Posts: 626
Registered: ‎07-29-2010

Re: Amex CLI denied

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.



Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years

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