topic Re: Unable to get CLI from Amex in Credit Card Applications

Unable to get CLI from Amex

oldman425 — Mon, 13 Mar 2017 18:34:41 GMT

I have had my card for almost a year and I have had no approved CLIs.

Thanks UncleB!

Mod note: @oldman425 I've started your own thread and made a minor edit to the title; feel free to edit it yourself if you would like.

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

Anonymous — Sun, 12 Mar 2017 07:42:11 GMT

Oldman - That means one of these things:

A) You have something in your credit report holding you back (collections, late payments, bankruptcy, judgement etc).
B) Not enough income to support a CLI or DTI (High debt to income ratio)
C) You have not requested a CLI and expect them to be automatically done

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

Anonymous — Sun, 12 Mar 2017 07:51:46 GMT

It's likely the collections account and Ch13 bankruptcy even though it's apparently aged off your reports Amex has taken note of it.

(Also Cass is spelled QAS it is a company now owned by Experian that does profiling and yes they do search public records).

Unable to get CLI from Amex

oldman425 — Mon, 13 Mar 2017 05:54:01 GMT

@Anonymous wrote:
It's likely the collections account and Ch13 bankruptcy even though it's apparently aged off your reports Amex has taken note of it.

(Also Cass is spelled QAS it is a company now owned by Experian that does profiling and yes they do search public records).

Thanks for the input. I really don't know what Experian is doing, when the BK dropped the other two jumped while EX stayed put. The old collection is actually a cloc that was in the BK and paid in full. I tired a couple times for a CLI with AMEX but they were turned down because of the BK which I understand. Once the BK dropped off I tried for a BCE which was also denied due to BK. I tried to recon but they said they still see the BK eventhough they claimed to have done a HP which has not shown up on CR. So for now the card I do have will go into the sock drawer.

Re: Unable to get CLI from Amex

UncleB — Mon, 13 Mar 2017 05:58:41 GMT

I had a similar issue with my BCP; it was 'stuck' with a CL of $1k and every CLI request was denied due to an old IIBK Green card from 2000. I finally gave up on it, but at the 18th month point they gave me an auto-CLI to make the new CL $3k (which is much more usable). I've tried for another CLI but got the "please call us" message so I didn't even bother.

Ironically, I applied for an ED card in January and was approved for $8k, so don't give up on them... they will eventually warm up to you.

Re: Unable to get CLI from Amex

oldman425 — Mon, 13 Mar 2017 18:36:48 GMT

So I have some time before I can request again. Is it better go try for the second card or just try for the CLI on the current card?

Re: Unable to get CLI from Amex

SecretAzure — Mon, 13 Mar 2017 18:43:57 GMT

@UncleB wrote:
I had a similar issue with my BCP; it was 'stuck' with a CL of $1k and every CLI request was denied due to an old IIBK Green card from 2000. I finally gave up on it, but at the 18th month point they gave me an auto-CLI to make the new CL $3k (which is much more usable). I've tried for another CLI but got the "please call us" message so I didn't even bother.

Ironically, I applied for an ED card in January and was approved for $8k, so don't give up on them... they will eventually warm up to you.

To add more data points, were you putting a lot of use on the card? Or were you letting it sit at empty? I don't have any derogs but I like knowing this kind of stuff and I think it'll help OP.

Re: Unable to get CLI from Amex

oldman425 — Mon, 13 Mar 2017 22:31:19 GMT

@SecretAzure wrote:
@UncleB wrote:
I had a similar issue with my BCP; it was 'stuck' with a CL of $1k and every CLI request was denied due to an old IIBK Green card from 2000. I finally gave up on it, but at the 18th month point they gave me an auto-CLI to make the new CL $3k (which is much more usable). I've tried for another CLI but got the "please call us" message so I didn't even bother.

Ironically, I applied for an ED card in January and was approved for $8k, so don't give up on them... they will eventually warm up to you.
To add more data points, were you putting a lot of use on the card? Or were you letting it sit at empty? I don't have any derogs but I like knowing this kind of stuff and I think it'll help OP.

Not very heavy use each month, I'd say between $200 - $300 a month. I use it to buy gas for my vehicle and I PIF each month.

Re: Unable to get CLI from Amex

UncleB — Tue, 14 Mar 2017 01:51:30 GMT

@SecretAzure wrote:
@UncleB wrote:
I had a similar issue with my BCP; it was 'stuck' with a CL of $1k and every CLI request was denied due to an old IIBK Green card from 2000. I finally gave up on it, but at the 18th month point they gave me an auto-CLI to make the new CL $3k (which is much more usable). I've tried for another CLI but got the "please call us" message so I didn't even bother.

Ironically, I applied for an ED card in January and was approved for $8k, so don't give up on them... they will eventually warm up to you.
To add more data points, were you putting a lot of use on the card? Or were you letting it sit at empty? I don't have any derogs but I like knowing this kind of stuff and I think it'll help OP.

I was using the card fairly hard (at least for a $1k limit)... the most I put on it was close to the CL (around $900) but on average it was $400-$500 each month, mostly at grocery stores for the 6%. I have always paid in full regardless of the balance.

Also, I always allowed the statement to generate with a balance; it's too much work to worry about paying in full before the statement generates. This probably cost me a few points on my score due to the low credit line, but I didn't mind since I wasn't in the market for a auto or mortgage.

As another data point, my Delta Gold opened last May was also approved with a $1k SL, and it's still at $1k. It might also get an auto-bump at some point, but I'll probably close it before the AF comes due... the PRG/BCP/ED combo works well for me, and the Delta Gold only gets used for Amex offers now anyway.