topic Re: How many days after decline to re-apply for an AMEX in Credit Card Applications

How many days after decline to re-apply for an AMEX

PointsBonus — Sat, 08 Dec 2018 03:51:54 GMT

I should know the answer but I am drawing a blank.

2 Cards Approved within 90 days

CLI request after APPROVAL 6 months

5 Revolvers MAX Personal and Business combined.

Charge cards - Many as you want.

CLI request 90 days after decline - Drawing a blank 90 or 60 ?

Apply for a AMEX card - Declined - 90 days for reapply or 60 days ?

This 60 - 90 is getting me all twisted.

Thank you all.

Re: How many days after decline to re-apply for an AMEX

Anonymous — Sat, 08 Dec 2018 04:07:45 GMT

Declines are typically 30 days. What was the reason for the decline? I would try to fix whatever that issue was before reapplying.

Re: How many days after decline to re-apply for an AMEX

Anonymous — Sat, 08 Dec 2018 04:09:53 GMT

91 days after CLI decline, 30 days after application decline.

Re: How many days after decline to re-apply for an AMEX

PointsBonus — Sat, 08 Dec 2018 04:10:08 GMT

Thank you !, I already have the short cut for that link, More concerned about after the decline on an application - 90 or 60 days ?

Re: How many days after decline to re-apply for an AMEX

PointsBonus — Sat, 08 Dec 2018 04:11:33 GMT

@Anonymous wrote:
91 days after CLI decline, 30 days after application decline.

Bingo thank you !!

CLI Decline - 91 Days

Application Decline - 31 days

Any thoughts on the Max Revolver ..is 5 still the limit or did they back it down to 4 ?

Re: How many days after decline to re-apply for an AMEX

Anonymous — Sat, 08 Dec 2018 04:14:14 GMT

@Anonymous wrote:
Declines are typically 30 days. What was the reason for the decline? I would try to fix whatever that issue was before reapplying.

This thread also has a lot of good info https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071

30 days.

Re: How many days after decline to re-apply for an AMEX

FinStar — Sat, 08 Dec 2018 04:18:53 GMT

The max number of revolvers that some individuals may be able to obtain is 6. I currently have 5 - biz and personal.

That being said the majority of individuals have been able to obtain at least 5, but keep in mind that this is all profile-dependent. Just because Suzie Q can have 5 (or 6) doesn't mean that AmEx would approve everyone the same number of revolvers.

Why were you declined?

Re: How many days after decline to re-apply for an AMEX

simplynoir — Sat, 08 Dec 2018 04:20:05 GMT

@PointsBonus wrote:
@Anonymous wrote:
91 days after CLI decline, 30 days after application decline.
Bingo thank you !!

CLI Decline - 91 Days
Application Decline - 31 days

Any thoughts on the Max Revolver ..is 5 still the limit or did they back it down to 4 ?

YMMV. Reportedly there is no revolver limit but most are able to get 5 with no issues. A few people have reported getting 6 that is more than likely dependent on your credit worthiness with AMEX.

Edit: @FinStar beat me to it lol.

Re: How many days after decline to re-apply for an AMEX

PointsBonus — Sat, 08 Dec 2018 04:24:39 GMT

Strictly score 667 Experian. I pulled the trigger to quick, glad it was a SP from Nov 22 when I applied 3 days ago.
All the other revolvers on my signature line is with. 670 or 672 or 675.
The most recent business Gold was with a 670, 16.24% which is their lowest rate for pay over time with a. $10,000 limit.

But more I think about I glad I got decline for the Amazon Amex - I think I gonna go to the Platinum Amex as my 5th and final revolver.

Re: How many days after decline to re-apply for an AMEX

simplynoir — Sat, 08 Dec 2018 04:34:15 GMT

@PointsBonus wrote:
Strictly score 667 Experian. I pulled the trigger to quick, glad it was a SP from Nov 22 when I applied 3 days ago.
All the other revolvers on my signature line is with. 670 or 672 or 675.
The most recent business Gold was with a 670, 16.24% which is their lowest rate for pay over time with a. $10,000 limit.

But more I think about I glad I got decline for the Amazon Amex - I think I gonna go to the Platinum Amex as my 5th and final revolver.

Charge cards (Green, Gold, Platinum, Centurion and Plum) both personal and business flavor do NOT count against the revolver limit. You can have as many charge cards as you like.