topic Re: Question re Amex CLIs in Credit Cards

Question re Amex CLIs

koalablue — Sun, 04 Jan 2015 22:39:05 GMT

My last Amex CLI was July 5 2014 for my SPG card. I then got a Blue Sky Preferred card on August 24 2014. Since it's been almost 6 months since the last CLI , am I eligible for a CLI for the BSP, or does the fact that I got the BSP in August reset the CLI clock to 6 months from the August approval date? Thanks much.

Re: Question re Amex CLIs

09Lexie — Sun, 04 Jan 2015 22:49:35 GMT

@koalablue wrote:
My last Amex CLI was July 5 2014 for my SPG card. I then got a Blue Sky Preferred card on August 24 2014. Since it's been almost 6 months since the last CLI , am I eligible for a CLI for the BSP, or does the fact that I got the BSP in August reset the CLI clock to 6 months from the August approval date? Thanks much.

You are eligible 180 days from the last CLI. New CCs do not reset your clock.

Re: Question re Amex CLIs

koalablue — Sun, 04 Jan 2015 23:19:34 GMT

Got it, thanks!

Re: Question re Amex CLIs

NRB525 — Sun, 04 Jan 2015 23:34:52 GMT

@09Lexie wrote:
@koalablue wrote:
My last Amex CLI was July 5 2014 for my SPG card. I then got a Blue Sky Preferred card on August 24 2014. Since it's been almost 6 months since the last CLI , am I eligible for a CLI for the BSP, or does the fact that I got the BSP in August reset the CLI clock to 6 months from the August approval date? Thanks much.
You are eligible 180 days from the last CLI. New CCs do not reset your clock.

However a new CC has to pass its own 61 day gate first, correct? And after that the check is whether another AMEX card had a CLI within the past 6 months, which if yes would limit both cards timing.

So if one AMEX has been over 6 months since the last CLI, and the cardholder gets a new card in the mail today, that new card cannot be CLI immediately.

Re: Question re Amex CLIs

09Lexie — Sun, 04 Jan 2015 23:56:30 GMT

@NRB525 wrote:
@09Lexie wrote:
@koalablue wrote:
My last Amex CLI was July 5 2014 for my SPG card. I then got a Blue Sky Preferred card on August 24 2014. Since it's been almost 6 months since the last CLI , am I eligible for a CLI for the BSP, or does the fact that I got the BSP in August reset the CLI clock to 6 months from the August approval date? Thanks much.
You are eligible 180 days from the last CLI. New CCs do not reset your clock.
However a new CC has to pass its own 61 day gate first, correct? And after that the check is whether another AMEX card had a CLI within the past 6 months, which if yes would limit both cards timing.
So if one AMEX has been over 6 months since the last CLI, and the cardholder gets a new card in the mail today, that new card cannot be CLI immediately.

That is correct. The 61 day period must be exhausted before a card is eligible. In OPs scenario, more than enough time has passed on the second cc, so now the timeline reverts back to 180 days from the last CL.