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Amex is like a schizophrenic girlfriend!

Valued Contributor

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 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 11 of 16
Member

Re: Amex is like a schizophrenic girlfriend!

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).

TW=825, CB=819, TU=946
Message 12 of 16
Valued Contributor

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 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 13 of 16
Established Contributor

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
Message 14 of 16
Member

Re: Amex is like a schizophrenic girlfriend!

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

TW=825, CB=819, TU=946
Message 15 of 16
Moderator Emerita

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?

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Message 16 of 16