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Did I just trigger an FR when asking for a CLI????? =(

Regular Contributor

Did I just trigger an FR when asking for a CLI????? =(

My first 3X increase was approved over a year ago from 6500 to 19500

 

So after discussing with some members of the forums I tried to go from 19500 to 30000 and this is the message I recieved:

 

 

 

Request a Line of Credit Increase

 

Your request for a line of credit increase has been submitted.

You will recieve a written response within 7-10 days.

 

 

 

I thought it would let me go back and try lower increments?  Am I going to get an FR in the mail?  My current MyFico scores are:

 

 

Experian - 707  Transunion - 704  and Equafax - 694

 

20 REPLIES
Valued Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

I just think it means they are not approving your CLI request, at least not for the full amount.

Community Leader
Valued Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

I usually get the 7-10 day message when I try a day or two too early.  If you triggered a FR, you'd likely see $0 available credit for that card.


$500k+ club. | FICO 08 [Oct 2017]: EQ 746 EX 738 TU 733 | World's worst gardener.
Super Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

I don't recall ever getting FR for asking over 20k with amex, they will request you send in documents if you want the increase, or you can ignore the request and have your CL remain the same. Thats how it was for my EDP at least, was last year when i tested the waters to see if i could get a CLI over 20k



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Regular Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

But if you dont respond doesnt that mean you will get your card cancelled.  Also,  I checked my account and I still have my CL avaliable to see. Is this good?

Regular Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

Will I make matters worse if I try to call in and find out more info. I am really not feeling good about this.  Last thing I need is an FR.  I have the paperwork...but I just thought I was good with AMEX...always made payments on time and x3 - x4 over minimum.  I only have about 2900/19500 used.  Man I wish I could turn back the clock.

Established Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

Your fine I wouldn't worry about it. The 7-10 day message I have received in the past and it's just a denial from my experience. You would know really quick if Amex was doing an FR. Your most likely either early or they just didn't approve the request for other reasons.

Regular Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

If I call the recon line and ask if I could get approved for 25000 instead of 30K would that make matters worse?  OR just wait it out.

 

 

Please help

Established Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

Do not call, just let it ride out.

If you afraid of fire, do not play with it.
EX850:2[21;14] TU850:0 EQ(Fico8BC)885:0
Valued Contributor

Re: Did I just trigger an FR when asking for a CLI????? =(

Just wait 7-10 days, no need to poke the bear.