topic Re: Amex CLI question in Credit Cards

Amex CLI question

Anonymous — Fri, 08 May 2015 17:25:04 GMT

Hello I just wanted to double check on a CLI with amex. So I already have a amex and asked for a CLI back on January 17th. I got instant approval for the CLI. On that very same day I applied for the blue cash card and was approved for it. This was all done pretty much right after the CLI. So my question is can I not ask for a CLI on the blue cash until 6 months which would be in July? Or does this not apply to me? Thanks guys.

Re: Amex CLI question

newhis — Fri, 08 May 2015 18:31:08 GMT

You have to wait 6 months from last successful CLI to request a new one, only 1 request per client (not for card), so you have to choose which card will you ask for CLI next.

Re: Amex CLI question

Anonymous — Fri, 08 May 2015 19:17:01 GMT

I actually have a very similar situation and question. I received a CLI on my everyday card in January, and then got a BCP in February, and immediately requested a CLI (not knowing that it was per client and not per card), and was denied. Amex's policy states that you must wait 6 months from the last successful CLI, or 90 days from a denial.

I was approved on the one card in January, and denied on the other in February. Knowing this, will I have to wait 6 months from the January approval (until July), or 90 days after the most recent denial (this month, May)? An Amex CSR told me that I could submit another request this month, after the 90 day mark, but I'm skeptical. Anyone know?

Re: Amex CLI question

Anonymous — Fri, 08 May 2015 19:20:19 GMT

@Anonymous wrote:
Hello I just wanted to double check on a CLI with amex. So I already have a amex and asked for a CLI back on January 17th. I got instant approval for the CLI. On that very same day I applied for the blue cash card and was approved for it. This was all done pretty much right after the CLI. So my question is can I not ask for a CLI on the blue cash until 6 months which would be in July? Or does this not apply to me? Thanks guys.

Lets not over think this. You should be able to request a CLI after July, 17th (6 months from last CLI).

Re: Amex CLI question

newhis — Fri, 08 May 2015 23:54:26 GMT

@Anonymous wrote:
I actually have a very similar situation and question. I received a CLI on my everyday card in January, and then got a BCP in February, and immediately requested a CLI (not knowing that it was per client and not per card), and was denied. Amex's policy states that you must wait 6 months from the last successful CLI, or 90 days from a denial.

I was approved on the one card in January, and denied on the other in February. Knowing this, will I have to wait 6 months from the January approval (until July), or 90 days after the most recent denial (this month, May)? An Amex CSR told me that I could submit another request this month, after the 90 day mark, but I'm skeptical. Anyone know?

The denial letter should say something like 'time since last increase too short' (I really don't remember what I read in other post).

As yes-its-me said, it is 6 months from your last CLI approval. You can try again and you will get denied until it is more than 6 months.

Of course, they can change the 'rules' any time, but today those are the rules.