Reply
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: BCP 61 days 3x CLI.... oops not yet


alboto wrote:

jake619 wrote:

alboto wrote:

well I decided to go for the 3x cli, and I got the 7-10 days message, so I checked my e-mail and I read the letter and this is what it says.

 

"Thank you for your recent request for a line of credit increase on your American Express Card Account.

 

We regret to inform you that your request has been declined.

 

Reason(s) for Our Decision

 

Our bank policy does not permit us to increase the line of credit on your account within sixty days since opening this account."

 

I was approved on 10-22 and Activated my card on 11-01. So I decided to call to check when my 61 days would be and the CSR said 12-27. She said to try on thursday, either on the phone or online.


So they calculated your 61st from 10/28 - neither your approval date nor activation date.  Interesting and thanks for sharing.  Sounds like the only way to know is to make the call.  


Yeah the date was completely random. I checked the the letters I got when I was approved and the package when I got the card and none of them matched with the date the CSR gave me, but was completely right with the 27th.


So I may or may not have an idea of why this happened based on what I am currently seeing on my Amex account. I applied for my card and was instantly approved on 12/19. I agave not received my card yet, so I have been unable to activate obviously. 

 

Well, on my online account there is a section called "Recent Charges" and right under that it says "Since Dec 24 (closing date Jan 22)". So I appears that my statement may have actually opened for spending on the 24th, which is 5 days after approval, but before activation. I think I will try for a CLI on Saturday February 23, and see what ends up happening. 

 

Has anyone else seen similar circumstances? Maybe you can check when your first statement opened, OP???


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012
0

Re: BCP 61 days 3x CLI.... oops not yet


SnackTrader wrote:

So I may or may not have an idea of why this happened based on what I am currently seeing on my Amex account. I applied for my card and was instantly approved on 12/19. I agave not received my card yet, so I have been unable to activate obviously. 

 

Well, on my online account there is a section called "Recent Charges" and right under that it says "Since Dec 24 (closing date Jan 22)". So I appears that my statement may have actually opened for spending on the 24th, which is 5 days after approval, but before activation. I think I will try for a CLI on Saturday February 23, and see what ends up happening. 

 

Has anyone else seen similar circumstances? Maybe you can check when your first statement opened, OP???


 So I'm just a few days ahead of you.  Funny timing.  My AMEX page reads "Since December 17  (Closing date Jan 14)".  I ran the days out and #61 is 2/15, so I'll probably try a day or two before as well - can't hurt.  


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: BCP 61 days 3x CLI.... oops not yet

Grats!!!
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012
0

Re: BCP 61 days 3x CLI.... oops not yet

thanks!!

 

well my first statement closed on Nov 9th, 4 days after I used the card for the first time buying $1800 in airline tickets. It was a bummer because it closed right after the charges posted and got charged the AF, so my first statement was $1875/$2000 ouch.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+