Amex CLI

[letmycreditgo]

Hi all,

I've had a credit card with Amex since 2007 and have never received a credit line increase. Account is current with no lates. I called the regular 800 number yesterday and was denied a credit line increase and told to try again in 90 days. Does anyone have a number or email address for the EO? Backdoor number? Underwriting department? Any info would be appreciated. Please PM me if need be. Thanks.

[Fresh-Start]

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@letmycreditgo wrote:

Hi all,

I've had a credit card with Amex since 2007 and have never received a credit line increase. Account is current with no lates. I called the regular 800 number yesterday and was denied a credit line increase and told to try again in 90 days. Does anyone have a number or email address for the EO? Backdoor number? Underwriting department? Any info would be appreciated. Please PM me if need be. Thanks.

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That's a really long time to never be approved for a CLI. Just curious, what are the reason's they give when they deny? And what AMEX is this?

[letmycreditgo]

I haven't applied in over a year so I don't remember exactly what the reason was last time. I'll get a letter in the mail for this one probably next week and I'll let you know. It's the Amex Jetblue card.

[Creditaddict]

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@letmycreditgo wrote:
I haven't applied in over a year so I don't remember exactly what the reason was last time. I'll get a letter in the mail for this one probably next week and I'll let you know. It's the Amex Jetblue card.

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What is the limit and how much did you ask for?

[FinStar]

There's obviously something AMEX did not like when your CR was reviewed.  I don't think it's so much the amount requested since they can counter.  Have you looked at your CRs recently?  Do you have high utilization?  Any derogatory info?

[09Lexie]

Until you know the reasons for denial, requesting a manual review -if that's even possible- is premature. Have you read the sticky on Amex 3x CLI? What is your util? Have you added new accounts recently?

[letmycreditgo]

I have high utilization on another card and some derogatory info, credit scores are around 640 on all reports.

[09Lexie]

How high? What derogatory info? How old is the baddie? Keep in mind the CLI is not a guarantee, your CR's should be worthy of a higher CL.

[FinStar]

Those items could point to the main issue of not being approved for a CLI.  Wait for the letter to confirm those findings. 

[letmycreditgo]

Haven't read the sticky but I will. Utilization on my Amex is not high. Haven't added any new accounts lately.