topic Re: I think I know why AMEX won't give me CLI on Jet Blue card in Credit Cards

I think I know why AMEX won't give me CLI on Jet Blue card

Anonymous — Fri, 16 Oct 2015 22:04:08 GMT

I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

ojefferyo — Fri, 16 Oct 2015 22:58:58 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

I highly doubt it has anything to do with the APR, my Hilton is 13.24% at $25k

Re: I think I know why AMEX won't give me CLI on Jet Blue card

creditguy — Fri, 16 Oct 2015 23:00:26 GMT

You could be right or maybe since the card is going away they just don't care about doing anything with it, either way, who knows why any CC issuer does what they do, sometimes there's no rhyme or reason for their actions. Will you be applying for the Barclays version when it arrives?

Re: I think I know why AMEX won't give me CLI on Jet Blue card

peaceonearth — Fri, 16 Oct 2015 23:41:40 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

If you're not going to carry a balance, why don't you just use your AMEX PRG NPSL?

Re: I think I know why AMEX won't give me CLI on Jet Blue card

Anonymous — Sat, 17 Oct 2015 00:54:01 GMT

I'm going to decline the Barclays offer and I'm going deep into the garden till Summer 2016. My cards features are becoming a little too diluted as it is with mutiple cards and I have several inquires due to drop off 2016. 12INQ EX 6 Fall off by summer 2016.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

Anonymous — Sat, 17 Oct 2015 00:55:59 GMT

I do use my PRG extensively. My issue with the JB card, I fly JB a lot but with $1000 CL, your right up agaisn't utlitzation limit fast - just has limited purchasing power.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

sjt — Sat, 17 Oct 2015 01:05:15 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

It could be that the Jet Blue accounts are going to transfer to another bank.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

peaceonearth — Sat, 17 Oct 2015 02:50:22 GMT

@Anonymous wrote:
I'm going to decline the Barclays offer and I'm going deep into the garden till Summer 2016. My cards features are becoming a little too diluted as it is with mutiple cards and I have several inquires due to drop off 2016. 12INQ EX 6 Fall off by summer 2016.

I think, that's a good idea!

In the meantime, keep using your JB and pay it off as soon you get the statement.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

NRB525 — Sat, 17 Oct 2015 02:57:51 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

You can test your theory out. Go online to your AMEX account, and chat to ask to get your ED APR reduced. I'll wager they'll reduce it for you, because they are very easy to ask for APR reductions. This would make the JB APR a non-factor.

ETA: You can also ask to reduce the JB APR. While it says 15.24% in the advertising, or at least it did, AMEX and Citi are easy to ask for "below published" rates, pernanent rate changes most likely.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

SouthJamaica — Sat, 17 Oct 2015 15:25:38 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

I've had both the JetBlue and Delta Gold cards for more than a year; got them July 2014. Have never been able to get a CLI on either, so I doubt it has to do with being JetBlue.

One thing I have learned about Amex is the peculiarity that if you get denied for a CLI, you will automatically be denied for a CLI within the following 90 days. So since I didn't space the requests out more than 90 days from previous denial, I never actually had a chance. This time around I'm waiting until 90-something days have passed since last denial, and will try again.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

Imperfectfuture — Sun, 18 Oct 2015 01:51:05 GMT

They are tightening up the credit.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

NRB525 — Sun, 18 Oct 2015 05:59:50 GMT

@Imperfectfuture wrote:
They are tightening up the credit.

AMEX? For who? OP? Not for me they aren't.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

Anonymous — Sun, 18 Oct 2015 19:17:22 GMT

Could it have anything to do with the fact that American Express will be losing the Jet Blue contract soon?

Re: I think I know why AMEX won't give me CLI on Jet Blue card

Anonymous — Mon, 19 Oct 2015 09:09:59 GMT

@Anonymous wrote:
I have 3 AMEX cards Just recived ED 3000SL 18.99% PRG NPSL and the JB still pegged at the $1000SL opened 11-01-14. I also have BOA Travel Rewards SIgn Visa $5000 Chase Slate $5000 Disc $6000. AAOA 11 months. 727 TU 723EQ 725 EX 100% PIF. For the life of me I couln't undertand why they kept declining my CLI request, I think I know now. The JB card just has one APR rate 15.24%. They will not give me more credit at that rate! As you can see from just approved ED at 18.99%. that is AMEX grade for me at this point in my history. If the card was not chanbging as of 01-01-16 I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense? I'm requesting green card at product change time when JB agreement ends to pool my rewards points with ED and PRG.

There have been other threads about this. The problem seems to be for people who were barely approved for Amex co-branded card and were given low starting limits. It's as if Amex keeps you in that internal credit probation on that card. I was approved for a Delta Platinum with an $1100 starting limit a little under a year ago with a very thin file. Each CLI has been declined but I got an auto CLI to $1400 a couple months ago. In the meantime, I have gotten 45k in credit lines from other banks and an Amex Business Platinum that has let me charge over $37k at one time. From what I have seen, after the one year mark, as long as your scores can handle it and you have no baddies, Amex releases you from that probation.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

takeshi74 — Mon, 19 Oct 2015 13:21:09 GMT

@Anonymous wrote:
I would think about askingAMEX to consider actually RAISING the APR in exchnage for higher CL. Why not? I'm PIF anyway. Make sense?

No, you're confusing effect with cause. Your credit and income determine whether you're approved, the initial limit you qualify for, the APR you qualify for and the CLI's you qualify for. Your APR does not set your limit. That applies to any creditor -- not just AmEx.

@SouthJamaica wrote:
One thing I have learned about Amex is the peculiarity that if you get denied for a CLI, you will automatically be denied for a CLI within the following 90 days.

This is covered in the 3X CLI Guide. 60 days no longer seems to be enforced but the rest of the guide is still useful.

http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071

@Anonymous wrote:
There have been other threads about this. The problem seems to be for people who were barely approved for Amex co-branded card and were given low starting limits. It's as if Amex keeps you in that internal credit probation on that card.

There's no probation. Again, CLI's are determined by one's credit and income at the time they are considered. CLI's are not just handed out in exhcange for time. If one's credit barely scraped by the approval then odds are pretty good that the credit profile will need to improve in order to qualify for a CLI.

@creditguy wrote:
who knows why any CC issuer does what they do, sometimes there's no rhyme or reason for their actions.

Not undestanding the rhyme or reason and whether they exist are two entirely different things. Creditors aren't as random as many seem to assume. People may not understand the reasoning but that doesn't mean that the creditors don't follow their reasoning.

Re: I think I know why AMEX won't give me CLI on Jet Blue card

sjt — Mon, 19 Oct 2015 14:28:49 GMT

Dont you think that for some accounts that just met the approval threshold are closely monitored more then other accounts and that CLI request hwould have a higher approval threshold then other accounts?

To the OP, I would contact Amex and ask the reason for the denial for a CLI.