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Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
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Question about Amex 61 day cli denial

If denied for 3x cli on 61st day, is it proven that the next cli request has to be after 90 days?? Has anyone tried askin again after 30 days of denial instead of 90 days??? Just curious if the 90 day rule after denial is an amex policy

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
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Re: Question about Amex 61 day cli denial


kobe2012 wrote:
If denied for 3x cli on 61st day, is it proven that the next cli request has to be after 90 days?? Has anyone tried askin again after 30 days of denial instead of 90 days??? Just curious if the 90 day rule after denial is an amex policy

what was reason?

I thought just after 30.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
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Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: Question about Amex 61 day cli denial

If you were denied due to being in eligible-too soon- then you do not have to wait 90 days.
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
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Re: Question about Amex 61 day cli denial

What if its for other reasons?? Like internal score too low,etc..?

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: Question about Amex 61 day cli denial

Contributor
Petraeus
Posts: 88
Registered: ‎05-21-2013
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Re: Question about Amex 61 day cli denial

I'm curious to find out the reason for the AmEx CLI denial?

FICO® Avg: 732 (11/2013)
Notable CC: AMHFCU® PLATINUM MASTERCARD $25K | Chase Marriott Rewards SigVisa $12K | AmEX PRG NPSL | BoA Cash Rewards Signature® Visa $12K | AmEX BCE $9K | Citi Diamond Preferred $10K | Chase Freedom Signature Visa $5K | BoA Travel Rewards® Signature® Visa $5K
Current Overall CL: $139K | UTL: 18% | AAoA 3yrs | Gardening since 11/26/2013
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Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
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Re: Question about Amex 61 day cli denial

Lexie, what if i try again before 90 days??? Would i get denied and wait another 90 days??

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: Question about Amex 61 day cli denial

Trying again before the 90 days would undoubtedly be another denial. You can try. Good luck
Valued Contributor
FinStar
Posts: 6,860
Registered: ‎10-21-2012
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Re: Question about Amex 61 day cli denial


09Lexie wrote:
Then it's 90 days.

+1

 

 

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
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Re: Question about Amex 61 day cli denial

[ Edited ]
The bigger problem of pressing that button repeatedly or seeking credit actively over a short period of time may make you seem desperate for credit. Bad idea to push your luck unless you are okay with submitting tax docs if they initiate a FR.
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