topic Re: AmEx ED CLI Denied in Credit Card Applications

AmEx ED CLI Denied

Anonymous — Tue, 04 Aug 2020 00:26:37 GMT

Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Re: AmEx ED CLI Denied

AllZero — Tue, 04 Aug 2020 00:27:36 GMT

That is unfortunate. Hope you get better luck next time.

Re: AmEx ED CLI Denied

CreditCuriosity — Tue, 04 Aug 2020 00:39:39 GMT

Sorry to hear.. Lending environment isnt favorable right now for many. Hopefully next time around

Re: AmEx ED CLI Denied

OmarGB9 — Tue, 04 Aug 2020 00:54:45 GMT

Sorry, OP. Technically I guess it could be considered too new as it's been less than a year. Also the current economic downturn isn't helping.

Re: AmEx ED CLI Denied

CreditInspired — Tue, 04 Aug 2020 01:46:57 GMT

@Anonymous wrote:
Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Was there any other reason given? Because considering you have opened 11 CCs in a year, I'm really surprised that wasnt given as a reason. And you may want to slow your roll because Synchrony is known to axe their cards for no reason at all.

Re: AmEx ED CLI Denied

M_Smart007 — Tue, 04 Aug 2020 03:07:07 GMT

@Anonymous wrote:
Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Sorry OP .. lenders have purse strings very tight

Re: AmEx ED CLI Denied

MyFault — Tue, 04 Aug 2020 04:41:24 GMT

@Anonymous wrote:
Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Did you wait 91 days from your initial CLI denial?

Amex is tightening up, as are most lenders and CLI's are not common without a strong profile and sufficiant usage. I was recently denied a CLI on my ED as well, because i rarely use the card.

Try again in another 91 days, but i wouldn't expect much until this economic situation improves.

Re: AmEx ED CLI Denied

cashorcharge — Tue, 04 Aug 2020 17:34:57 GMT

Sorry about that....I would be inclined to say it's a economic timing thing not a "you" timing thing

Re: AmEx ED CLI Denied

Anonymous — Wed, 05 Aug 2020 01:53:26 GMT

@CreditInspired wrote:
@Anonymous wrote:
Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Was there any other reason given? Because considering you have opened 11 CCs in a year, I'm really surprised that wasnt given as a reason. And you may want to slow your roll because Synchrony is known to axe their cards for no reason at all.

That was the only reason, I chuckled. It didn't even have my Experian score pulled/showing.

My Sync cards are ironically my most used cards, that offer the best cashback for my spending.

Re: AmEx ED CLI Denied

805orbust — Wed, 05 Aug 2020 02:40:07 GMT

I'd just like to echo the sentiments expressed earlier. Lay low with Synchrony. From the time a few years ago when they started with the blue envelopes, to their rampant card closures I would definitely tread lightly and avoid poking that bear as much as possible. They, as well as Amex, can be very finicky in the most confusing ways.

Re: AmEx ED CLI Denied

Anonymous — Wed, 05 Aug 2020 20:14:41 GMT

Well that sucks! Better luck next time.

Re: AmEx ED CLI Denied

blindambition — Wed, 05 Aug 2020 20:25:47 GMT

@CreditInspired wrote:
@Anonymous wrote:
Shucks you guys, after being denied my initial 61/2 I decided to try my luck again.. got the same answer

"Your relationship with Amex is too recent" - is September 2019 really still that new?

Was there any other reason given? Because considering you have opened 11 CCs in a year, I'm really surprised that wasnt given as a reason. And you may want to slow your roll because Synchrony is known to axe their cards for no reason at all.

This would also be my guess. Sorry OP!

Re: AmEx ED CLI Denied

M_Smart007 — Fri, 07 Aug 2020 05:39:06 GMT

@805orbust wrote:
I'd just like to echo the sentiments expressed earlier. Lay low with Synchrony. From the time a few years ago when they started with the blue envelopes, to their rampant card closures I would definitely tread lightly and avoid poking that bear as much as possible. They, as well as Amex, can be very finicky in the most confusing ways.