topic Re: Amex cli denial in Credit Card Applications

Amex cli denial ,Update approved 3x

kickhard88 — Tue, 04 Apr 2023 02:50:15 GMT

oh well a little update i was able to improve my credit score to 704 with Ex it was 652 ask for a increase

You are participating or have recently participated in a payment relief or deferral program,
receiving modified terms, or credit counseling services, on one or more of your accounts or loans

rip

Re: Amex cli denial

JoeRockhead — Wed, 18 Jan 2023 21:45:52 GMT

My condolences, but nice work improving your scores! Keep at it, you'll get there.

Re: Amex cli denial

kickhard88 — Wed, 18 Jan 2023 22:01:33 GMT

@JoeRockhead wrote:
My condolences, but nice work improving your scores! Keep at it, you'll get there.

thanks but hoepfully its not a pattern with other lenders discover been good to me in the past months with cli and i just open a Nfcu account

Re: Amex cli denial

JoeRockhead — Wed, 18 Jan 2023 22:09:18 GMT

@kickhard88 wrote:
@JoeRockhead wrote:
My condolences, but nice work improving your scores! Keep at it, you'll get there.

thanks but hoepfully its not a pattern with other lenders discover been good to me in the past months with cli and i just open a Nfcu account

You're getting some love from Disco, so thats awesome. Don't stress what you can't control, you're definitely doing something right so just keep your focus on that, all the other stuff will come in due time and it will be worth the wait.

Re: Amex cli denial

OmarGB9 — Thu, 19 Jan 2023 00:48:59 GMT

Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

Re: Amex cli denial

kickhard88 — Thu, 19 Jan 2023 03:26:30 GMT

@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

Re: Amex cli denial

OmarGB9 — Thu, 19 Jan 2023 18:31:26 GMT

@kickhard88 wrote:
@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

I don't think so cause I have frozen SLs on my report as well, and I was approved for a Blue Cash Preferred in Dec 2021, and then an Amex Platinum on Sep 2022.

Re: Amex cli denial

kickhard88 — Thu, 19 Jan 2023 19:23:10 GMT

@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

I don't think so cause I have frozen SLs on my report as well, and I was approved for a Blue Cash Preferred in Dec 2021, and then an Amex Platinum on Sep 2022.

its only for cli not for getting a new card and if you got a cli you my have gotten your max amount and in my case i got my max

Re: Amex cli denial

OmarGB9 — Thu, 19 Jan 2023 19:35:08 GMT

@kickhard88 wrote:
@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

I don't think so cause I have frozen SLs on my report as well, and I was approved for a Blue Cash Preferred in Dec 2021, and then an Amex Platinum on Sep 2022.

its only for cli not for getting a new card and if you got a cli you my have gotten your max amount and in my case i got my max

I've also had 3 successful CLIs on the BCP. $1k -> $3k (3x max they'll approve) March 2022, $3k -> $6k (2x that time) Sep 2022, and last month: $6k -> $18k (3x max again).

Re: Amex cli denial

kickhard88 — Thu, 19 Jan 2023 19:45:05 GMT

@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

I don't think so cause I have frozen SLs on my report as well, and I was approved for a Blue Cash Preferred in Dec 2021, and then an Amex Platinum on Sep 2022.

its only for cli not for getting a new card and if you got a cli you my have gotten your max amount and in my case i got my max

I've also had 3 successful CLIs on the BCP. $1k -> $3k (3x max they'll approve) March 2022, $3k -> $6k (2x that time) Sep 2022, and last month: $6k -> $18k (3x max again).

not sure whats going on i have talked to a good number of people at amex the last couple of days from underwriting, supervisors etc everyone is giving me the same answer

Re: Amex cli denial

OmarGB9 — Thu, 19 Jan 2023 19:50:32 GMT

@kickhard88 wrote:
@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
Did you sign up for one of those debt relief progtams/ask for some hardship program from one of your creditors?

no from what i been told its because of my student loan and the government freeze on repayment so until that is figured out amex wont raise my limit

I don't think so cause I have frozen SLs on my report as well, and I was approved for a Blue Cash Preferred in Dec 2021, and then an Amex Platinum on Sep 2022.

its only for cli not for getting a new card and if you got a cli you my have gotten your max amount and in my case i got my max

I've also had 3 successful CLIs on the BCP. $1k -> $3k (3x max they'll approve) March 2022, $3k -> $6k (2x that time) Sep 2022, and last month: $6k -> $18k (3x max again).

not sure whats going on i have talked to a good number of people at amex the last couple of days from underwriting, supervisors etc everyone is giving me the same answer

Honestly it's probably just an excuse. It may just be your profile at this time isn't up to their standards, but for some reason they can't just come out and say it.

Re: Amex cli denial

kickhard88 — Tue, 04 Apr 2023 02:53:59 GMT

just checked my email got a auto increase 3x limit now 9k guess they like me again EX 734 9/ 24 3/12 0/6 no baddies