Regular Contributor
charyot77
Posts: 236
Registered: ‎06-21-2010
Re: AMEX 61 Day increase DENIED

I called the AMEX recon line about my CLI increase.

 

They were really nice and explained the reasons for my denial.

 

She said that my my utilization was too high and that my FICO was too low.

 

I found this all strange because I bought my FICO scores in late October and they were about 20-30 points higher than what she "quoted" and I did have a large purchase that I had paid off before I applied, but it didnt show until later (I think).

 

I'm guessing that they used an old report to deny me?  I could probably ask them to reconsider, but I applied for so many new accounts, I don't want another hard pull.