topic Re: AMEX CLI- Requested to call in in Credit Card Applications

AMEX CLI- Requested to call in

nuohlac — Fri, 12 Jul 2019 23:17:09 GMT

I recently requested my AMEX EDP cli from 26k to 50K. I submitted the request and about 2 minutes later got recieved and email stating:
"We've finished reviewing your credit limit increase request. To get the details of our decision please contact our Customer Care team at your earliest convenience by calling 1-800-535-7790.

We look forward to hearing from you soon.

Thank you for your Card Membership.

American Express Customer Care"

I would assume for a denial this is too much trouble. Does anyone know what this means?

Thanks

Re: AMEX CLI- Requested to call in

CreditCuriosity — Fri, 12 Jul 2019 23:24:10 GMT

99% denial although certainly can call to make sure i am not giving you inaccurate info.

Re: AMEX CLI- Requested to call in

Anonymous — Fri, 12 Jul 2019 23:59:31 GMT

@CreditCuriosity is correct; this is almost certainly a denial.

As an alternative you can log in to Amex's Line of Credit Status Check website and you will be able to view the decision without having to call. The PCN requested by the website is the same as the Reference Number on the e-mail that should have been automatically generated when you submitted the CLI request.

Re: AMEX CLI- Requested to call in

nuohlac — Sat, 13 Jul 2019 00:07:01 GMT

@Anonymous wrote:
@CreditCuriosity is correct; this is almost certainly a denial.

As an alternative you can log in to Amex's Line of Credit Status Check website and you will be able to view the decision without having to call. The PCN requested by the website is the same as the Reference Number on the e-mail that should have been automatically generated when you submitted the CLI request.

The reference number said finalized and it was unaccessible from the site. I will call this evening. After doing some reading about others following the 3X method and reaching numbers like this I would assume it is a denial or they want to see my tax returns.

Re: AMEX CLI- Requested to call in

cumminsdieselfreak — Sat, 13 Jul 2019 12:37:29 GMT

What did they tell you? I got the exact same thing on my 61 day 3x cli request.

Re: AMEX CLI- Requested to call in

nuohlac — Sat, 13 Jul 2019 12:52:42 GMT

I tried calling this morning. However, their hours are M-F 9-9MST. So, I will update next week.

Re: AMEX CLI- Requested to call in

cumminsdieselfreak — Sat, 13 Jul 2019 13:35:02 GMT

The automated lady made it sound like you had to wait 90 days but online chat lady said it’s 60 days. Automated lady said there is no CLI request on the account that I requested it on.

Re: AMEX CLI- Requested to call in

nuohlac — Sat, 13 Jul 2019 13:41:23 GMT

I just got the same response.
“There is no credit limit increase on record for the card in the last 90 days.”

I will call again during the week. I did not try the online chat option.

Re: AMEX CLI- Requested to call in

cumminsdieselfreak — Sat, 13 Jul 2019 13:43:12 GMT

I got a CLI on on another Amex card in Jan ‘19 so therefore I was denied because I didn’t wait 180 days. Good luck on yours.

Re: AMEX CLI- Requested to call in

nuohlac — Sat, 13 Jul 2019 21:45:34 GMT

I did too. So I guess I know what the answer will be now. Thanks

Re: AMEX CLI- Requested to call in

nuohlac — Mon, 15 Jul 2019 13:39:28 GMT

Request denied. I am within my 6 month window. He told me to call back August 9 and make my request.

Re: AMEX CLI- Requested to call in

Anonymous — Mon, 15 Jul 2019 14:14:57 GMT

Agree, you dont have a good chance to get an approval. But, you can call in to try for a lower amount.

Re: AMEX CLI- Requested to call in

Anonymous — Mon, 15 Jul 2019 16:41:09 GMT

@Anonymous wrote:
Agree, you dont have a good chance to get an approval. But, you can call in to try for a lower amount.

This makes absolutely no sense at all.

OP posted that 8/9 is the correct date to request a CLI. The issue was requesting a CLI too early which does not invoke the 90 day wait as it's not a true denial. Also, being early and reducing the request will still yield the same results until hitting the 181 day requirement.