topic Re: did not get instant approval from amex at 61 days says sending reply in mail in Credit Card Applications

did not get instant approval from amex at 61 days says sending reply in mail

fritscher — Sun, 12 Mar 2017 01:37:28 GMT

I tried to do the 3times cli at 60 days..i got the 7 to 10 day reply notice..does that mean i did not get it? i tried it i think day early..

UPDATE on AMEX CLI 61 day rule..

fritscher — Sun, 12 Mar 2017 02:04:40 GMT

This seems new ..I hit the button at day 60 to see if i could get the 3x cli from Amex..I got 7 to 10 day message..when I checked my email there was a note telling me to call the credit team and gave me ref number..i went into chat and the gal told me it was denied but not really..she said i tried too early so i should call them on Monday. she said that no one is in the credit office today so have to wait but no worries.

so hopefully not denied and I will get it..I will call on Monday

Re: UPDATE on AMEX CLI 61 day rule..

Anonymous — Sun, 12 Mar 2017 02:15:53 GMT

its's 61 days from account opening. If you were at day 60 then yes, you tried it too soon. Try it the next day i.e day 61 and you should be fine.

Re: UPDATE on AMEX CLI 61 day rule..

fritscher — Sun, 12 Mar 2017 02:26:39 GMT

she told me to call the number on monday..can they approve it for me on the phone..i dont want hard pull..the email they sent told me to call and use a ref number..

Re: UPDATE on AMEX CLI 61 day rule..

austinguy907 — Sun, 12 Mar 2017 02:38:07 GMT

If you want to waste 10-15 mins call them. Otherwise on day 61 hit the button and bypass the whole situation.

Re: UPDATE on AMEX CLI 61 day rule..

Anonymous — Sun, 12 Mar 2017 02:59:23 GMT

there's no need to call in, just try again on day 61and you'll be just fine.

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Sun, 12 Mar 2017 05:37:59 GMT

Patience is a virtue try at Day 61 and later

Re: did not get instant approval from amex at 61 days says sending reply in mail

fritscher — Sun, 12 Mar 2017 14:28:36 GMT

One more question if I can ask please..since they said I am getting the 7 to 1o day letter . if i get approved tomorrow by clicking again..will i get that letter in mail still and also will that mean i got a Hard pull?

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Sun, 12 Mar 2017 23:40:24 GMT

@fritscher wrote:
One more question if I can ask please..since they said I am getting the 7 to 1o day letter . if i get approved tomorrow by clicking again..will i get that letter in mail still and also will that mean i got a Hard pull?

1.) New Amex Accounts are not eligible for a credit line increase until they have been open more than 60 days.

2.) "More than 60 days" = 61 days.

3.) You tried on DAY 60 thus your account was not eligible for a credit limit increase and this is why you were denied.

4.) The letter you were told would be coming in 7-10 days will say that your account was not eligible because it had not been open long enough.

5.) Retrying the credit line increase now that your acount has been open more than 60 days will not cause a hard pull, also known as a hard inquiry, on your credit report.

Re: did not get instant approval from amex at 61 days says sending reply in mail

fritscher — Mon, 13 Mar 2017 22:55:34 GMT

Thank you all..HAPPY DANCE>..i did today day 62 and got my 3x cli from 2000 to 6000 on my amex everyday

I appreciate all of your ehlp

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Mon, 13 Mar 2017 22:58:53 GMT

Congrats on your increase...!!

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Mon, 13 Mar 2017 23:02:54 GMT

Congrats! Today was my 61st day for my BCE, went from $2000 to 6k also! Felt nice to see that instant approval!

Re: did not get instant approval from amex at 61 days says sending reply in mail

fritscher — Mon, 13 Mar 2017 23:02:28 GMT

PS thank you for the outline to follow too!!!!!!cashcorp

so now i know that i did just one day early but doing it again worked..the next CLI for amex can be done at 180 days???

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Mon, 13 Mar 2017 23:22:43 GMT

@fritscher wrote:
PS thank you for the outline to follow too!!!!!!cashcorp
so now i know that i did just one day early but doing it again worked..the next CLI for amex can be done at 180 days???

No, it's 180+1 days (181 days)... March 13, 2017 + 181 days = September 10, 2017 you'll be eligible to request another increase.

Think of it this way More Than 180 Days = 181 ....make sense?

PS Congrats on the 3X CLI with your Amex. Treat them right and Amex will take care of you big time!

Re: did not get instant approval from amex at 61 days says sending reply in mail

timbales1 — Mon, 13 Mar 2017 23:26:22 GMT

If you don't mind me asking. What were your scores when you opened account and scores after 61 days?

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Sat, 18 Mar 2017 16:21:06 GMT

62 days from when your account was approved or from when your card was activated?

Re: did not get instant approval from amex at 61 days says sending reply in mail

Anonymous — Sun, 19 Mar 2017 11:56:04 GMT

Not only do people need to wait until day 61 to pull the trigger, you also aren't automatically going to get the CLI in every situation. I've had my card around 8 or 9 months now and have been denied a CLI twice. Cards at $1k are the toughest. You basically have to raise your scores substantially (I don't know the threshold personally, I'm at 640-660 right now) to get anwhere if you're starting out with a really low limit.