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Frequent Contributor
awp317
Posts: 252
Registered: ‎08-18-2013
0

Amex CLI, or cancel and get different amex revolver.

[ Edited ]

Amex has been the only card to never let me get a CLI. I have had the hilton card for 2 years now, asked for a CLI the first time in august of this year, denied stating that my platinum was limited. It is no longer limited, and I Have been running 10k a month through the amex platinum since june of this year. Paying in full before the "please pay by" date. Its now been 96 days since I asked for my last CLI. Is it worth trying again, or to soon? Credit score lender pulled is 739. My current balance on the card is 1300, Which I plan to pay in full at the end of the month, the card is what I use online for utilites such as my electric, phone, cell, water, etc bill and the bills are about the same every month. However im sick of it being a low limit. Is it worth asking for 6k on this card. I really dont need the limit, I just dont like being so close to the limit every month. Or should I close it and try with another amex revolver such as BCE, now that I make more money than I did when I got that card, and have less uti then I did 2 years ago when I got the card. Thanks! 

Amex Platinum NPSL (with option to carry) USAA World MasterCard 35K I Chase Sapphire Preferred 25k I Citi Prestige World E 25k I Barclays Arrival World Mc 25k I Barclays Arrival+ World E 25k I Southwest Chase 24K I PenFed Visa Sig 23k I Target Visa 12k I Chase Freedom 10,100 I Discover IT 10k I OCCU Beaver 7k I Citi ThankYou Premier 5k I Lowes 25k
Edward Jones LOC 590k (limit varies depending on market) @3.49 I BB&T HELOC 250k @ 3.25
Chase Jumbo Mortgage Approved@ 4.6% 3/10/14!!!
Regular Contributor
370Z
Posts: 218
Registered: ‎06-15-2013
0

Re: Amex CLI, or cancel and get different amex revolver.

I would try again since it's been 90 days and there is no hard pull on your credit. If it's denied again, then you could decide if applying for another card would be worth it.

Citi AAdvantage Plat. VS - 10k - 12.24% - 6/12 ~ Chase Ink+ WEMC - 5k - 10.24% - 7/12 ~ Chase Freedom VS - 5k - 12.99% - 2/13 ~ Chase Hyatt VS - 5k - 15.24% - 6/13 ~ Amex Hilton HHonors - 5.8k -12.24% - 8/13 ~ Chase IHG WMC - 3k - 15.24% - 1/14 ~ Chase Ink$ VS - 5k - 13.24% - 5/14
Frequent Contributor
awp317
Posts: 252
Registered: ‎08-18-2013
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Re: Amex CLI, or cancel and get different amex revolver.

gave it a shot , got a 7-10 day message. 

Amex Platinum NPSL (with option to carry) USAA World MasterCard 35K I Chase Sapphire Preferred 25k I Citi Prestige World E 25k I Barclays Arrival World Mc 25k I Barclays Arrival+ World E 25k I Southwest Chase 24K I PenFed Visa Sig 23k I Target Visa 12k I Chase Freedom 10,100 I Discover IT 10k I OCCU Beaver 7k I Citi ThankYou Premier 5k I Lowes 25k
Edward Jones LOC 590k (limit varies depending on market) @3.49 I BB&T HELOC 250k @ 3.25
Chase Jumbo Mortgage Approved@ 4.6% 3/10/14!!!
Regular Contributor
370Z
Posts: 218
Registered: ‎06-15-2013
0

Re: Amex CLI, or cancel and get different amex revolver.

Well, it's likely, but not necessarily, a denial. I wonder if Amex, even after the Platinum, has you in some kind of holding pattern. Curious what the letter has to say.

Citi AAdvantage Plat. VS - 10k - 12.24% - 6/12 ~ Chase Ink+ WEMC - 5k - 10.24% - 7/12 ~ Chase Freedom VS - 5k - 12.99% - 2/13 ~ Chase Hyatt VS - 5k - 15.24% - 6/13 ~ Amex Hilton HHonors - 5.8k -12.24% - 8/13 ~ Chase IHG WMC - 3k - 15.24% - 1/14 ~ Chase Ink$ VS - 5k - 13.24% - 5/14
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: Amex CLI, or cancel and get different amex revolver.


awp317 wrote:

gave it a shot , got a 7-10 day message. 


The message is not always an denial others have reported that shortly after getting the 7-10 day message they got an email stating approval so don't lose hope 

Good luck

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Moderator
Revelate
Posts: 9,648
Registered: ‎12-30-2011
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Re: Amex CLI, or cancel and get different amex revolver.


myjourney wrote:

awp317 wrote:

gave it a shot , got a 7-10 day message. 


The message is not always an denial others have reported that shortly after getting the 7-10 day message they got an email stating approval so don't lose hope 

Good luck


Indeed, check the app status page.  Pretty much all my Amex things other than the last CLI I got 7-10 day messages and 5 minutes later checking the app status I saw I was approved.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Kenny
Posts: 6,022
Registered: ‎01-15-2009
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Re: Amex CLI, or cancel and get different amex revolver.

I'm always a fan of the get another card with Amex if they aren't giving you CLIs because it's just a soft pull if denied and if approved then that's an AWESOME use of a HP for aaoa and also if you don't like the card when you close it you can move your CL over to your original. :smileywink:
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:776(11/05) - EQ04:770(10/31) - EQ08:796(11/08) - TU08:798(11/18)
Goal Score: 800+
Frequent Contributor
awp317
Posts: 252
Registered: ‎08-18-2013
0

Re: Amex CLI, or cancel and get different amex revolver.

[ Edited ]

How do I check a limit increase status? When I try the "check application status" page it just gives me the two cards that were approved already. One even from a year ago. 

 

I know when I did the limit increase in august I got the same message, and about 15 min later an email saying "we have made a decision" or whatever.  But havent heard anything from them as of yet on this one. 

Amex Platinum NPSL (with option to carry) USAA World MasterCard 35K I Chase Sapphire Preferred 25k I Citi Prestige World E 25k I Barclays Arrival World Mc 25k I Barclays Arrival+ World E 25k I Southwest Chase 24K I PenFed Visa Sig 23k I Target Visa 12k I Chase Freedom 10,100 I Discover IT 10k I OCCU Beaver 7k I Citi ThankYou Premier 5k I Lowes 25k
Edward Jones LOC 590k (limit varies depending on market) @3.49 I BB&T HELOC 250k @ 3.25
Chase Jumbo Mortgage Approved@ 4.6% 3/10/14!!!
Regular Contributor
Fresh-Start
Posts: 238
Registered: ‎10-18-2012
0

Re: Amex CLI, or cancel and get different amex revolver.


awp317 wrote:

Amex has been the only card to never let me get a CLI. I have had the hilton card for 2 years now, asked for a CLI the first time in august of this year, denied stating that my platinum was limited. It is no longer limited, and I Have been running 10k a month through the amex platinum since june of this year. Paying in full before the "please pay by" date. Its now been 96 days since I asked for my last CLI. Is it worth trying again, or to soon? Credit score lender pulled is 739. My current balance on the card is 1300, Which I plan to pay in full at the end of the month, the card is what I use online for utilites such as my electric, phone, cell, water, etc bill and the bills are about the same every month. However im sick of it being a low limit. Is it worth asking for 6k on this card. I really dont need the limit, I just dont like being so close to the limit every month. Or should I close it and try with another amex revolver such as BCE, now that I make more money than I did when I got that card, and have less uti then I did 2 years ago when I got the card. Thanks! 



Is that normai? I have the Green card with NPSL, how would I know if there some sort of  limit on it?  I'm concerned because I also have a BCE that I am hoping to get a CLI on in Jan......

Moderator
Revelate
Posts: 9,648
Registered: ‎12-30-2011
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Re: Amex CLI, or cancel and get different amex revolver.


awp317 wrote:

How do I check a limit increase status? When I try the "check application status" page it just gives me the two cards that were approved already. One even from a year ago. 

 

I know when I did the limit increase in august I got the same message, and about 15 min later an email saying "we have made a decision" or whatever.  But havent heard anything from them as of yet on this one. 


Sigh, I am getting so sloppy these days.  CLI != application.

 

Not sure, I checked in the online account.  It's admittedly rare that a CLI request is an approval after a 7-10 day result but there are exceptions.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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