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Question about Amex 61 day cli denial

Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
14 REPLIES
Epic Contributor

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.

Moderator Emerita

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

Re: Question about Amex 61 day cli denial

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

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Moderator Emerita

Re: Question about Amex 61 day cli denial

Contributor

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
Future CC: Chase Sapphire Preferred Visa Signature®
Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Moderator Emerita

Re: Question about Amex 61 day cli denial

Trying again before the 90 days would undoubtedly be another denial. You can try. Good luck
Senior Contributor

Re: Question about Amex 61 day cli denial


09Lexie wrote:
Then it's 90 days.

+1

 

 

Super Contributor

Re: Question about Amex 61 day cli denial

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.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).