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I rejected Amex CLI

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HenryJumbo
Regular Contributor

I rejected Amex CLI

So today I applied for a CLI, I had a successful CLI after my first 61 days and decided I will apply for another 6 months later. Currently I have a $5,000 credit limit with Amex and tried to up it to 15k by calling the automated system. I was counter offered for 12k. I rejected the counter offer, when I should of probably have took it. My question is when will I be able to request a CLI? Do I have to wait another 6 months Smiley Surprised

 

Thanks

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 1 of 19
18 REPLIES 18
GOldfishes
Contributor

Re: I rejected Amex CLI

Why did you decline?

Experian: 734 Equifax: 765 Transunion:776

BoA Cash Rewards($6500)|Fidelity Investment Rewards AMEX($5000)|Chase Freedom($4000)|
Chase Sapphire Preferred($6500)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Amex BCE ($10,200)|Citi AA Exec ($10,500)|
Message 2 of 19
HenryJumbo
Regular Contributor

Re: I rejected Amex CLI

Got greedy Smiley Embarassed

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 3 of 19
Creditaddict
Legendary Contributor

Re: I rejected Amex CLI

The whole point of a counter is that you get something (in your case A LOT of what you asked for) and Amex is one of the rare that you can get these SOFT PULL CLI and I think as much as Amex AA are over done here... so is this 3x CLI... it's still a gift and it's not a set in stone that you get 3x... Amex just lays out the policy better than most that you can request UP TO 3x and I don't know what idea flashed through your mind that $5k was better than $12k since you didn't get your $15k? Smiley Happy

Message 4 of 19
FinStar
Moderator Emeritus

Re: I rejected Amex CLI

Should've taken the counter offer IMO.  Sometimes being overzealous doesn't pay (no pun intended).  At least the CLI was not declined. 

Message 5 of 19
HenryJumbo
Regular Contributor

Re: I rejected Amex CLI

Where does this leave me in terms of applying for a future CLI? Do I start counting 6 months from today? Or can I try again tomorrow? I mean I wasn't denied a CLI, I just rejected it.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Message 6 of 19
GOldfishes
Contributor

Re: I rejected Amex CLI

Might as well try it right now. You will be denied based on ineligbility if you have to wait the 6 months from your denial. Give it a shot now and let us now what happens.

Experian: 734 Equifax: 765 Transunion:776

BoA Cash Rewards($6500)|Fidelity Investment Rewards AMEX($5000)|Chase Freedom($4000)|
Chase Sapphire Preferred($6500)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Amex BCE ($10,200)|Citi AA Exec ($10,500)|
Message 7 of 19
youngandcreditwrthy
Senior Contributor

Re: I rejected Amex CLI

Go online and re-request it. I think it will come back with the same answer.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 19
09Lexie
Moderator Emerita

Re: I rejected Amex CLI

Message 9 of 19
GOldfishes
Contributor

Re: I rejected Amex CLI

Request the 15k again and hopefully they will offer 12k. 

Experian: 734 Equifax: 765 Transunion:776

BoA Cash Rewards($6500)|Fidelity Investment Rewards AMEX($5000)|Chase Freedom($4000)|
Chase Sapphire Preferred($6500)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Amex BCE ($10,200)|Citi AA Exec ($10,500)|
Message 10 of 19
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