topic Re: AMEX CLI Denied (Within 60 days) in Credit Card Applications

AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 15:34:46 GMT

Activated my card January 1st. Figured today would mark the 61 days

I requested online and got the 7-10 day email. Checked my email immediately after and it said the review has been completed call this number to find out.

Called and they said it was denied for being within 60 days. She kept saying Jan. 1st - Feb. 29 is 60 days and I got a bit upset because today would obviously mark day 61.

She said she's going to put a manual review in.

Anybody know my chances. Am I in the wrong here? (other than the boneheaded move of not waiting couple extra days)

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 15:59:46 GMT

@Anonymous wrote:
Activated my card January 1st. Figured today would mark the 61 days

I requested online and got the 7-10 day email. Checked my email immediately after and it said the review has been completed call this number to find out.

Called and they said it was denied for being within 60 days. She kept saying Jan. 1st - Feb. 29 is 60 days and I got a bit upset because today would obviously mark day 61.

She said she's going to put a manual review in.

Anybody know my chances. Am I in the wrong here? (other than the boneheaded move of not waiting couple extra days)

Despite what the CSR told you, whether you applied within 60 days, at day 61 or day 75, that was not the reason you were denied. You can receive a CLI from Amex at any time from when you activate the card. Sadly many Amex CSRs still think the 61 days has some meaning when it hasn't for over a year. You can be denied for card being 'too new' but that just means that they want to see more history from you before considering a CLI. If the denial sticks and is not overturned on manual review, you will need to wait another 91 days from the day you applied for the CLI to try again.

Also, keep in mind that despite what many think, receiving a CLI from Amex is not automatic at any time and they look at all facets of your credit file just the same as other creditors.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 16:14:54 GMT

After reading the posts on this forum, I figured the 61 day rule was gone.

However the credit line (Not CSR) says the system denied it automatically for being within 60 days. That was the official reason.

This should go as a warning for anybody reading the previous "request CLI anytime after opening" messages

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 16:17:40 GMT

I spoke to 4 different reps about this and they all said That's the denial the system gave them. However I had them manually count the days and were in agreement it was 61 days as of today so they're doing a manual review and will let me know within 48 hours.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 16:20:52 GMT

All that denial means is that they want to see more history from you. Plenty of people still getting the CLIs upon activation or soon after. 61 days means nothing no matter how many CSRs tell you that's the reason.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 16:25:37 GMT

Well I hope you're right because I would rather get denied for lack of history rather than submitting the CLI request 1 day early.

I'll update all after manual review.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 01 Mar 2016 16:28:25 GMT

@Anonymous wrote:
Well I hope you're right because I would rather get denied for lack of history rather than submitting the CLI request 1 day early.

I'll update all after manual review.

Regardless of what happens upon review, you weren't denied because of one day so no need to beat yourself up :-). Even when you apply for an Amex CLI 'too early' like after a denial or approval, the clock does not reset and you can always try on the 'right' day. Good luck with the review.

Re: AMEX CLI Denied (Within 60 days)

ojefferyo — Wed, 02 Mar 2016 18:24:18 GMT

What SL did they give you? Usually it's a sign of what could be expected of a CLI request.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 08 Mar 2016 03:54:15 GMT

Odd, when I got my AMEX ED card back in November I asked for a CLI on day 1 and got it. I received AMEX BC a few weeks ago and was denied a CLI, got the mail today and it said the account was under 60 days old as the reason for the denial. Hard to understand what the rules are for AMEX on CLI's.

Re: AMEX CLI Denied (Within 60 days)

InfamousRSX — Tue, 08 Mar 2016 20:07:25 GMT

I tried today after activating my card and the denial reason was that my account need to be open for 60 days

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 08 Mar 2016 22:22:00 GMT

@InfamousRSX wrote:
I tried today after activating my card and the denial reason was that my account need to be open for 60 days

I really don't know what's going on with them because there are still people getting CLIs at activation. Very strange that they keep giving this 60 day reason.

Re: AMEX CLI Denied (Within 60 days)

lg8302ch — Tue, 08 Mar 2016 23:06:58 GMT

@Anonymous wrote:
@InfamousRSX wrote:
I tried today after activating my card and the denial reason was that my account need to be open for 60 days
I really don't know what's going on with them because there are still people getting CLIs at activation. Very strange that they keep giving this 60 day reason.

I wonder if Amex changed back to the former rules? In December the CLI upon activation worked for my SPG.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Tue, 08 Mar 2016 23:27:41 GMT

@lg8302ch wrote:
@Anonymous wrote:
@InfamousRSX wrote:
I tried today after activating my card and the denial reason was that my account need to be open for 60 days
I really don't know what's going on with them because there are still people getting CLIs at activation. Very strange that they keep giving this 60 day reason.
I wonder if Amex changed back to the former rules? In December the CLI upon activation worked for my SPG.

Seems to be very hit or miss right now.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 17:24:21 GMT

What has your usage on the card looked like since you received it? I was approved for $4000 on BCP on 12/25/2015 and received the card 12/31/2015. I've since put about $2-3k on the card, and paid the balance in full several times. This morning I asked for a CLI to $12,000 and was approved instantly.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 18:31:06 GMT

Very very very very odd. If that was the OFFICIAL reason. Because every and their mother brother and sister, has had cli before 60 days and on day one. My phone Rep even told me to apply when I get my card when I was approved.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 18:59:17 GMT

@Anonymous wrote:
What has your usage on the card looked like since you received it? I was approved for $4000 on BCP on 12/25/2015 and received the card 12/31/2015. I've since put about $2-3k on the card, and paid the balance in full several times. This morning I asked for a CLI to $12,000 and was approved instantly.

You were past the 60 day mark, and this thread is about a denial within 60 days.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 19:00:21 GMT

@Anonymous wrote:
Very very very very odd. If that was the OFFICIAL reason. Because every and their mother brother and sister, has had cli before 60 days and on day one. My phone Rep even told me to apply when I get my card when I was approved.

There have been screen shots posted of the denial letters that specifically stated that as the official reason.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 19:13:49 GMT

Unless I overlooked it, I didn't see anything from the OP on what his or her usage history on the card has looked like, which is why I asked. Perhaps OPs usage of the card and/or current credit profile simply do not warrant a CLI right now?

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 19:20:55 GMT

Right. I was stating that that's odd. Because, like I said, everyone was getting cli at activation before. It does sound like they've changed. Which again. I find odd. Because they had only recently changed to the pre 61 cli. Sounds like it was short lived. But again. VERY ODD.

Re: AMEX CLI Denied (Within 60 days)

Anonymous — Wed, 09 Mar 2016 19:34:59 GMT

@Anonymous wrote:
Right. I was stating that that's odd. Because, like I said, everyone was getting cli at activation before. It does sound like they've changed. Which again. I find odd. Because they had only recently changed to the pre 61 cli. Sounds like it was short lived. But again. VERY ODD.

One note here. Not everyone was getting CLIs at activation before. Many were denied just as now. The difference is we weren't seeing these official messages (not what a CSR says) that the denial reason was because it was within 60 days.