topic Re: AMEX CLI denied in Credit Card Applications

AMEX CLI denied

Jnbmom — Wed, 16 Aug 2023 23:42:51 GMT

Ok the first reason guilty but the second reason are you kiddding me I owe them $171.00 bucks out of 20K limit IMG_4037.jpeg

Re: AMEX CLI denied

Brian_Earl_Spilner — Wed, 16 Aug 2023 23:47:29 GMT

Are you carrying balances elsewhere? They say relative to your income meaning they looked at your ability to pay.

Re: AMEX CLI denied

Janneman — Thu, 17 Aug 2023 01:15:25 GMT

From my own experiences and observations on various credit sites over the years, I have learned and realized that once a lender (any lender) doesn't want to extend a credit then they would throw the book on you for all kinda reasonings even though those reasonings seem not applicable to you and make no sense at all. Also, 99% of the time those reasonings are computer generated than a manual one. I am sure it has happened to everyone...It certainly happened to me more often than I can count.

Re: AMEX CLI denied

Saleen099 — Thu, 17 Aug 2023 11:16:33 GMT

Sorry, about NOT getting an increase.

I can relate to the first one.

Re: AMEX CLI denied

Jnbmom — Thu, 17 Aug 2023 03:09:14 GMT

@Brian_Earl_Spilner wrote:
Are you carrying balances elsewhere? They say relative to your income meaning they looked at your ability to pay.

Utilization is at 1%

Re: AMEX CLI denied

FireMedic1 — Thu, 17 Aug 2023 19:27:33 GMT

So sorry @Jnbmom . If anything can happen. You've experienced it. Throw the magnet away!

Re: AMEX CLI denied

Dp23 — Fri, 18 Aug 2023 23:35:37 GMT

At what number does AMEX ask for bank statements. Is it 25k or 35k?

Re: AMEX CLI denied

Shooting-For-800 — Sat, 19 Aug 2023 02:46:04 GMT

@Dp23 wrote:
At what number does AMEX ask for bank statements. Is it 25k or 35k?

Depends.

My DW was fine at $35k, wanted income verification at $40k.

Re: AMEX CLI denied

OneGun — Sun, 20 Aug 2023 22:14:13 GMT

I just got denied for insufficient income. I was trying to go from 9k to 15k. I have 3 Amex cards a BCP with 9k, Hilton no AF with 1k and a Gold with 10k POT. My income is only 28k. I guess I hit the max Amex is willing to give me