topic Re: Amex 3x cli 181 days in Credit Cards

Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 10:55:06 GMT

Well I just requested it. As today is the day. I got 7-10 day message. I'm guessing it's a decline. Right when my reports are clean.

Re: Amex 3x cli 181 days

Anonymous — Sun, 07 Jun 2015 13:00:23 GMT

I've never had that message but I've heard people saying they got the CLI. Keep watching your email.

Re: Amex 3x cli 181 days

aav — Sun, 07 Jun 2015 13:13:31 GMT

What message did you get? Try it again with a lower amount.

Last week I asked for 25k from 9.5k. and got the request for the irs form. I submitted the request a few more times for a lower amount getting the same message. Eventually I was successful. This also happened with my 30 day on another Amex card.

Re: Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 13:33:01 GMT

Ok will try lower

Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days.

Re: Amex 3x cli 181 days

Credit-hoarder — Sun, 07 Jun 2015 13:58:50 GMT

OP: Hoping it's not a decline, but keep us posted. I'm eligible for one on my BCE as of today, but I'm TRYING to hold off for: 1. my mortgage to end next month 2. my 3 balance transfers I just did this past week to report $0 on those 3 accts. 3. My total balances on all accts to get below $10K. Right now I"m about $11.3K. Actually I should wait unitl early/mid-Sept. b/c at least 9 of my RC accts. will be a full 2 years old. Right now my BCE is $10K--if I ask for one I probably will only ask for $20K. Good luck on your increase.

Re: Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 15:13:34 GMT

@Credit-hoarder wrote:
OP: Hoping it's not a decline, but keep us posted. I'm eligible for one on my BCE as of today, but I'm TRYING to hold off for: 1. my mortgage to end next month 2. my 3 balance transfers I just did this past week to report $0 on those 3 accts. 3. My total balances on all accts to get below $10K. Right now I"m about $11.3K. Actually I should wait unitl early/mid-Sept. b/c at least 9 of my RC accts. will be a full 2 years old. Right now my BCE is $10K--if I ask for one I probably will only ask for $20K. Good luck on your increase.

I'm gonna assume it's a decline. It's a shame too. As I know they are looking at old sp reports my file crystal clean now. It's ok. I did not need it. I've not really used my amex much since I got venture. Sd time again.

Re: Amex 3x cli 181 days

Anonymous — Sun, 07 Jun 2015 15:34:05 GMT

@taxi818 wrote:
Ok will try lower

Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days.

Sorry to hear... And I hate to be blunt but that message is a decline...

Re: Amex 3x cli 181 days

Credit-hoarder — Sun, 07 Jun 2015 15:52:39 GMT

@taxi818 wrote:
@Credit-hoarder wrote:
OP: Hoping it's not a decline, but keep us posted. I'm eligible for one on my BCE as of today, but I'm TRYING to hold off for: 1. my mortgage to end next month 2. my 3 balance transfers I just did this past week to report $0 on those 3 accts. 3. My total balances on all accts to get below $10K. Right now I"m about $11.3K. Actually I should wait unitl early/mid-Sept. b/c at least 9 of my RC accts. will be a full 2 years old. Right now my BCE is $10K--if I ask for one I probably will only ask for $20K. Good luck on your increase.
I'm gonna assume it's a decline. It's a shame too. As I know they are looking at old sp reports my file crystal clean now. It's ok. I did not need it. I've not really used my amex much since I got venture. Sd time again.

Even more incentive for me to wait.

Re: Amex 3x cli 181 days

Bman70 — Sun, 07 Jun 2015 19:35:25 GMT

Just as a data point, I got a similar message, and eventually received a CLI for less than I'd asked for. Keep checking your credit line, it was only several days if I remember right.

Re: Amex 3x cli 181 days

Anonymous — Sun, 07 Jun 2015 19:41:41 GMT

I tried for an early CLI with my BCP and got the same message. Ultimately a decline for me. Got a snail mail about a week later saying so. The FICO score they used was a month old: 695. I kind of wish they'd do a fresh SP for CLIs. Heck, I'd probably even consider a HP for 3x's.

Re: Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 19:48:44 GMT

Thanks everybody for the information and the heads up. I did ask for less than 3 times and still got the same message. so its not a big reason. My fico on Ex is only 698 but absolutely clean report. Im sure the real reason is the number of accounts ive gotten mainly from being on this board. but since ive gotten my Delta. maybe about 10 accounts since then. Its strange as i got the card at 3500. then in 61 days. no issue. went to 10.500. now.6 months later nothing. i currently have a $300 balance. but i had a $900 balance when it went to 10k. its ok. my overall utilizaiton is still low. 11 percent. i wanted the huge limit for util purposes. but it looks like Amex just went down to the last man on the totem pole for me. im canceling my green card in october. as i am of the firm belief that the charge card is obsolete. i don't make 2k 5k purchases at a time so its kind of useless.and forcing me to pay in full. so to the chopping block it will go. at this point. ive acheived all my goals 2 years faster than i thought was possible. Just thinking 18 months ago. all my scores were in the 500s. now.. mainly 700s and all cards i ever wanted here. so my thing now is to go back to basics. not apply for anything except a car loan in the next 6 months. and let my report age. and see how high i can go. Always here for advice but as far as apping the next great thing. Im done. i would like to get cli on my Dinersclub. just to chicken to ask.

Re: Amex 3x cli 181 days

chalupaman — Sun, 07 Jun 2015 19:52:32 GMT

@taxi818 wrote:
Thanks everybody for the information and the heads up. I did ask for less than 3 times and still got the same message. so its not a big reason. My fico on Ex is only 698 but absolutely clean report. Im sure the real reason is the number of accounts ive gotten mainly from being on this board. but since ive gotten my Delta. maybe about 10 accounts since then. Its strange as i got the card at 3500. then in 61 days. no issue. went to 10.500. now.6 months later nothing. i currently have a $300 balance. but i had a $900 balance when it went to 10k. its ok. my overall utilizaiton is still low. 11 percent. i wanted the huge limit for util purposes. but it looks like Amex just went down to the last man on the totem pole for me. im canceling my green card in october. as i am of the firm belief that the charge card is obsolete. i don't make 2k 5k purchases at a time so its kind of useless.and forcing me to pay in full. so to the chopping block it will go. at this point. ive acheived all my goals 2 years faster than i thought was possible. Just thinking 18 months ago. all my scores were in the 500s. now.. mainly 700s and all cards i ever wanted here. so my thing now is to go back to basics. not apply for anything except a car loan in the next 6 months. and let my report age. and see how high i can go. Always here for advice but as far as apping the next great thing. Im done. i would like to get cli on my Dinersclub. just to chicken to ask.

I wouldn't feel bad about it personally. I thought Amex would get me to double digit limit territory since they were so giving on my Delta card and everything but after trying a CLI like 6 months after my first one, they didn't budge either.

Re: Amex 3x cli 181 days

Anonymous — Sun, 07 Jun 2015 20:52:14 GMT

American Express is definitely tightening up on cli's. My DW was declined for hers at 61 days on the 25th from a sp on May 2nd, when credit report utilization was higher but by the 25th was low and her ED card had a 0 balance.

I am seeing a lot more cli declines from My Fico members nowadays than a few months ago.

Re: Amex 3x cli 181 days

B335is — Sun, 07 Jun 2015 21:01:33 GMT

Taxi don't feel too bad. Amex only gave me one CLI in my life - ever. The 7-10 day notice has always been a decline for me. Last time they cited not paying a statement balance in full.

Re: Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 22:08:10 GMT

@B335is wrote:
Taxi don't feel too bad. Amex only gave me one CLI in my life - ever. The 7-10 day notice has always been a decline for me. Last time they cited not paying a statement balance in full.

This could also be a reason. since ive always had some kind of balance. I thought i was doing good. 6 weeks ago. had a 2k balance on my Delta. Down t0 $300 now. so i figured they would show some luv. but evidently not. so my spend will go to the loyal lenders.

cap one and Discover for showing all the cli luv lately.

Re: Amex 3x cli 181 days

NRB525 — Sun, 07 Jun 2015 22:53:39 GMT

@taxi818 wrote:
Thanks everybody for the information and the heads up. I did ask for less than 3 times and still got the same message. so its not a big reason. My fico on Ex is only 698 but absolutely clean report. Im sure the real reason is the number of accounts ive gotten mainly from being on this board. but since ive gotten my Delta. maybe about 10 accounts since then. Its strange as i got the card at 3500. then in 61 days. no issue. went to 10.500. now.6 months later nothing. i currently have a $300 balance. but i had a $900 balance when it went to 10k. its ok. my overall utilizaiton is still low. 11 percent. i wanted the huge limit for util purposes. but it looks like Amex just went down to the last man on the totem pole for me. im canceling my green card in october. as i am of the firm belief that the charge card is obsolete. i don't make 2k 5k purchases at a time so its kind of useless.and forcing me to pay in full. so to the chopping block it will go. at this point. ive acheived all my goals 2 years faster than i thought was possible. Just thinking 18 months ago. all my scores were in the 500s. now.. mainly 700s and all cards i ever wanted here. so my thing now is to go back to basics. not apply for anything except a car loan in the next 6 months. and let my report age. and see how high i can go. Always here for advice but as far as apping the next great thing. Im done. i would like to get cli on my Dinersclub. just to chicken to ask.

Sorry to hear about the CLI delay/decline. It does seem with $10k the Delta is adequate for your usage, and it is likely that AMEX wants to see more usage. However, many of us have a limited spend anyway, so a $10k card is a high limit.

I could ask for a CLI on my Delta Gold, at $9k, but I'm paying/playing down the 6.9% APR offer this year, been carrying a balance that is now $900 to have fun with that rate, and just got $10k on a Hilton AMEX, so I'm just going to sit tight. Plenty of other credit, and a fair number of new cards this year.

What is your limit on the Diners?

Re: Amex 3x cli 181 days

taxi818 — Sun, 07 Jun 2015 22:58:02 GMT

@NRB525 wrote:
@taxi818 wrote:
Thanks everybody for the information and the heads up. I did ask for less than 3 times and still got the same message. so its not a big reason. My fico on Ex is only 698 but absolutely clean report. Im sure the real reason is the number of accounts ive gotten mainly from being on this board. but since ive gotten my Delta. maybe about 10 accounts since then. Its strange as i got the card at 3500. then in 61 days. no issue. went to 10.500. now.6 months later nothing. i currently have a $300 balance. but i had a $900 balance when it went to 10k. its ok. my overall utilizaiton is still low. 11 percent. i wanted the huge limit for util purposes. but it looks like Amex just went down to the last man on the totem pole for me. im canceling my green card in october. as i am of the firm belief that the charge card is obsolete. i don't make 2k 5k purchases at a time so its kind of useless.and forcing me to pay in full. so to the chopping block it will go. at this point. ive acheived all my goals 2 years faster than i thought was possible. Just thinking 18 months ago. all my scores were in the 500s. now.. mainly 700s and all cards i ever wanted here. so my thing now is to go back to basics. not apply for anything except a car loan in the next 6 months. and let my report age. and see how high i can go. Always here for advice but as far as apping the next great thing. Im done. i would like to get cli on my Dinersclub. just to chicken to ask.
Sorry to hear about the CLI delay/decline. It does seem with $10k the Delta is adequate for your usage, and it is likely that AMEX wants to see more usage. However, many of us have a limited spend anyway, so a $10k card is a high limit.

I could ask for a CLI on my Delta Gold, at $9k, but I'm paying/playing down the 6.9% APR offer this year, been carrying a balance that is now $900 to have fun with that rate, and just got $10k on a Hilton AMEX, so I'm just going to sit tight. Plenty of other credit, and a fair number of new cards this year.

What is your limit on the Diners?

My Diners is only 5k. but im afraid to wake that sleeping bear. i have had massive usage on it. since it is a hidden TL. they are the absolute best in my opinion. But they approved me when i still had a collection on my report. at time of approval my tu was 687. but nothing really negative and only a hand full of accounts. they were the first card after i got my amex. so i do see the point amex is making. i have a brick load of credit. really don't need more. but since i was eligible. i thought why not.