topic AMEX CLI Denied - Insufficient income relative to obligations in Credit Card Applications

AMEX CLI Denied - Insufficient income relative to obligations

djshifted — Mon, 10 Apr 2023 20:27:06 GMT

Tried for an AMEX CLI today, and it was denied for "The income you provided is insufficient relative to your overall debt obligations as reflected in our records or on your credit report."

Current AMEX total limit is $3k, $2k on this BCP, and $1k on a Delta. My credit lines total ~$25k with about 10% usage. Only thing I can figure is that they don't like my recent vehicle purchases, we bought 2 about 6 months ago. I do want to switch over to using my BCP as my primary card, but I severely dislike having to make multiple payments on it each month so I may stop using it aside from recurring subscriptions.

Re: AMEX CLI Denied - Insufficient income relative to obligations

FireMedic1 — Mon, 10 Apr 2023 21:13:00 GMT

Call and ask about the details. DM Sent.

Re: AMEX CLI Denied - Insufficient income relative to obligations

markbeiser — Mon, 10 Apr 2023 23:49:30 GMT

It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...

Re: AMEX CLI Denied - Insufficient income relative to obligations

Jnbmom — Mon, 10 Apr 2023 23:53:26 GMT

@markbeiser wrote:
It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...

Yes they may not be comfortable with your reported income .

100% agree your signature is EXTREMELY large .

Re: AMEX CLI Denied - Insufficient income relative to obligations

fury1995 — Tue, 11 Apr 2023 00:19:37 GMT

@Jnbmom wrote:
@markbeiser wrote:
It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...
Yes they may not be comfortable with your reported income .

100% agree your signature is EXTREMELY large .

@djshifted Try this for your signature instead. Let me know if you want it larger, lol.

You need to update those SCORES!!

Re: AMEX CLI Denied - Insufficient income relative to obligations

djshifted — Tue, 11 Apr 2023 04:09:24 GMT

Heh. Sorry for the signature, it wasn't like that last time I posted (which has probably been 6-7 years. Just removed them for now, I've seriously cut down on cards since then

Re: AMEX CLI Denied - Insufficient income relative to obligations

Jnbmom — Tue, 11 Apr 2023 11:13:04 GMT

@djshifted wrote:
Heh. Sorry for the signature, it wasn't like that last time I posted (which has probably been 6-7 years. Just removed them for now, I've seriously cut down on cards since then

It's fine for people who like signatures and you are fine with having them just maybe a little smaller 😊