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Denied AMEX 61 Day CLI

Member

Denied AMEX 61 Day CLI

  I was denied CLI after 61 Days because AMEX card  balance was to high. If I pay off balance off when can i reapply for CLI ?

Message 1 of 22
21 REPLIES
Frequent Contributor

Re: Denied AMEX 61 Day CLI

How high was your balance vs your credit limit?
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Message 2 of 22
Valued Contributor

Re: Denied AMEX 61 Day CLI

I believe you have to wait 90 days to re-apply.

 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 3 of 22
Regular Contributor

Re: Denied AMEX 61 Day CLI

1st 61 day Amex denial I have seen


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Message 4 of 22
Valued Contributor

Re: Denied AMEX 61 Day CLI


a3quit4s wrote:

1st 61 day Amex denial I have seen


There are many, it's just few are posted.   It's created the myth of a near shoe-in 61 day 3x with AMEX.   I asked and was denied for it myself.

 

I think you might have to wait 6 months after being turned down for a CLI with AMEX, not 100% sure of it though.  Somewhat remember the CSR telling me that on the phone. at the time.

Message 5 of 22
Established Contributor

Re: Denied AMEX 61 Day CLI


RyVision wrote:

a3quit4s wrote:

1st 61 day Amex denial I have seen


There are many, it's just few are posted.   It's created the myth of a near shoe-in 61 day 3x with AMEX.   I asked and was denied for it myself.

 

I think you might have to wait 6 months after being turned down for a CLI with AMEX, not 100% sure of it though.  Somewhat remember the CSR telling me that on the phone. at the time.


If you're approved for the CLI, it's 6 months before you can ask for another.  If denied, you can request again after 90 days.  Ask me how I know (and still not successful - shot down X 2)... Smiley Mad


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 6 of 22
Valued Contributor

Re: Denied AMEX 61 Day CLI


RyVision wrote:

a3quit4s wrote:

1st 61 day Amex denial I have seen


There are many, it's just few are posted.   It's created the myth of a near shoe-in 61 day 3x with AMEX.   I asked and was denied for it myself.

 

I think you might have to wait 6 months after being turned down for a CLI with AMEX, not 100% sure of it though.  Somewhat remember the CSR telling me that on the phone. at the time.


It's 90 days after you are turned down, 6 months after you are approved until you can ask for another.

 

there are quite a bit of people who get turned down, just keep using the card and paying it in full or making large payments in relation to your balance and you will be fine in 90 days

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 7 of 22
Member

Re: Denied AMEX 61 Day CLI

My credit limit is 2000.  And my balance is 1100.

Message 8 of 22
Frequent Contributor

Re: Denied AMEX 61 Day CLI


AXMCVI wrote:

My credit limit is 2000.  And my balance is 1100.


Yeah, you should at least pay it down to 3% and apply again.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Message 9 of 22
Established Contributor

Re: Denied AMEX 61 Day CLI

Don't feel bad. I was shot down too. I had a zero balance reporting and a 702 EX.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 10 of 22