Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,320
Registered: ‎09-22-2009
0

Re: Amex is like a schizophrenic girlfriend!

I'm still trying to get over seeing the words "Amex" and "girlfriend" in the same sentence.  That can be a dangerous combination! Smiley Very Happy

EQ Fico 8 - 848
TU Fico 8 - 848
EX Fico 8 - 846
Member
Posts: 46
Registered: ‎05-04-2011
0

Re: Amex is like a schizophrenic girlfriend!

[ Edited ]

Amex doesn't even go external if your credit score is not high enough to be approved for the product.  Your real time credit score is available to them at all times.

The CLI was the system automatically upgrading your CL because your score raised, it had nothing to do with your application(s).

EX=800, EQ=814, TU=946
Valued Contributor
Posts: 1,320
Registered: ‎09-22-2009
0

Re: Amex is like a schizophrenic girlfriend!


annalog wrote:

Amex doesn't even go external if your credit score is not high enough to be approved for the product.  Your real time credit score is available to them at all times.

The CLI was the system automatically upgrading your CL because your score raised, it had nothing to do with your application(s).


 What allows them to see your "real time" credit score "at all times"?  

EQ Fico 8 - 848
TU Fico 8 - 848
EX Fico 8 - 846
Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Amex is like a schizophrenic girlfriend!

 


annalog wrote:

Amex doesn't even go external if your credit score is not high enough to be approved for the product.  Your real time credit score is available to them at all times.

The CLI was the system automatically upgrading your CL because your score raised, it had nothing to do with your application(s).


source of this information? Smiley Indifferent

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Member
Posts: 46
Registered: ‎05-04-2011
0

Re: Amex is like a schizophrenic girlfriend!

[ Edited ]

It's a riddle wrapped inside of a mystery wrapped inside of an enigma......lolol

EX=800, EQ=814, TU=946
Highlighted
Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0

Re: Amex is like a schizophrenic girlfriend!


annalog wrote:

Amex doesn't even go external if your credit score is not high enough to be approved for the product.  Your real time credit score is available to them at all times.

The CLI was the system automatically upgrading your CL because your score raised, it had nothing to do with your application(s).


I'm not sure that I understand what you're saying here. What "real time score" is available to Amex at all times? And, are you saying that based on a FICO score (or some other score???) alone that Amex grants auto credit line increases?

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.