Re: The Definitive Amex 3X CLI Guide
01-16-2013 02:05 PM
The CSR i talked to had no idea when I could ask for a CLI, she said I could ask for one now, even though I opened my account in late Novemeber. Instead I just asked her for my account opening date which she said was Nov. 26. So based on that I should be able to ask for CLI on like January 27th? Maybe I'll just wait for January 31st or will have to call another CSR - based on the talk in this thread I thought they would just be able to rattle off to me the date I was eligible right away; no such luck.
Account opening = November 26. So count 61 days out from there. Done. No further thinking necessary. Don't overthink this people.
The guide is supposed to eliminate overthinking, and it does a great job of just that.
Thanks, great point about keeping it simple
CSRs opinions on CLI eligibility does not follow consistent patterns. I have had that happen to me as well, when after receiving 61 day CLI, I called a few days later for BCP CLI. No warnings from CSR and she was very happy to take the application. This is how I learnt about the 6 month rule when I recieved the denail letter in mail. (well discovered in forums as well right around the same time). A few days later I tried to game the system by attempting to move CLs which another CSR tried to help with over the phone. Came to know about the 13 statements rule via this process. CSRs are constantly been churned in Amex and they may not know the hard coded system rules, although they should.
The guide says, some CSRs will calculate the first eligible date for you. What they can definitely say with accuracy is the account open date, which is something they will always be able to see in the system, meaning you will never get two different answers about account open date. It makes it easier to just ask that and calculate yourself. Please don't hold it against them when they cannot do the calculation or do not know all the hard coded system rules for CLI.
Your account opening date in November 26. It will complete 60 days on January 25 based on the following calculation
Number of days open in Nobember = 30-26 = 4
Number of days open in Decmber = 31
Number of days open by January 25 = 25
Total Number of days open by January 25 = 4 + 31 + 25 = 60
First eligible day for CLI, provided no other CLIs in last 6 months on any account = January 26
There have been some nice discussions and data points. I am planning on updating OP this weekend.