topic Re: Time Between CLI for AMEX After Denial in Credit Cards

Time Between CLI for AMEX After Denial

Queen_Etherea — Mon, 11 Mar 2019 20:19:17 GMT

I got my very first AMEX card back in Oct. 2018 with a measly $500 limit. I requested a CLI at 61 days and was declined. Tried about a month later and declined again. So my question is: How often can you request a CLI after being denied? Do you have to wait a full 60 days again, or can you try again like the next week like you can with Discover and Synchrony?

I want to close this card because I upgraded it to the BCP, but I want to be able to move the limit. Since it's only $500, they won't move that limit over. So I wanted to get an increase on it, move the limit over, then close it.

Re: Time Between CLI for AMEX After Denial

simplynoir — Mon, 11 Mar 2019 20:20:53 GMT

Assuming the reason is not requesting too early you can request again 91 days after a denial.

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Mon, 11 Mar 2019 22:12:07 GMT

OMG! I don't even know how I didn't realize this, but I got an automatic CLI on my BCE!! It's now up to $1,000! I know it's not much, but I'll take it for now. I was sorting through some old emails and found one that said Congrats! from AMEX yesterday...

Re: Time Between CLI for AMEX After Denial

simplynoir — Mon, 11 Mar 2019 23:01:44 GMT

Automatic CLIs will not disqualify you from asking for one when the timing is right.

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Mon, 11 Mar 2019 23:40:41 GMT

@simplynoir

Good to know!! I’ll just wait a few months before I ask again. It’s not like Discover or my Amazon, CareCredit, Sleep Number cards where I can ask like every day if I wanted to lol. I requested on from Discover last month, got denied, asked again the next day, got approved!

Re: Time Between CLI for AMEX After Denial

Girlzilla88 — Tue, 04 Jun 2019 00:04:15 GMT

I was denied my first CLI at the 61 days then denied the next CLI time -go -around ROFL but I am new with them and I have heard 180 days is the general sweet spot....my next time is up in August I believe so hopefully 3rd try is a charm!

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 00:53:10 GMT

If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Tue, 04 Jun 2019 14:45:52 GMT

@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.

Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 17:59:57 GMT

I got a Delta Gold Skymiles in late January. Applied for a CLI at 91 days, and was denied. Tried again 30 days later, and was approved. So the posters saying you have to wait 90 or 180 days after a denial are incorrect.

Re: Time Between CLI for AMEX After Denial

pizza1 — Tue, 04 Jun 2019 19:42:37 GMT

@Anonymous wrote:
I got a Delta Gold Skymiles in late January. Applied for a CLI at 91 days, and was denied. Tried again 30 days later, and was approved. So the posters saying you have to wait 90 or 180 days after a denial are incorrect.

@Anonymous, you may have been an exception for whatever reason, but the 90/180 days still stands true. Just making a blanket statement about posters saying that are incorrect, is actually incorrect in itself. There will always be exceptions to the rule, but rule still stands.

Re: Time Between CLI for AMEX After Denial

Jnbmom — Tue, 04 Jun 2019 19:47:36 GMT

Agreed, you may have had an odd exception and that's great, but amex guidelines are pretty well known and verified on these forums .

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Tue, 04 Jun 2019 20:37:21 GMT

I'm guessing the CSR just didn't understand the question I was asking. I'll stick to what this forum has mentioned and let that be my guide for my AMEX CLI's.

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 20:40:54 GMT

I apologize; I wasn't trying to spread misinformation. Actually I believe my odd case was based on the fact that my denial included the reason that I hadn't been with AMEX long enough and it wasn't based solely on my credit score. I think that is a known exception to the 90/180 rule (I believe I've seen that in a thread on here).

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 21:52:14 GMT

The rules for Amex CLIs are pretty clear and straightforward:

1. If denied for a credit-related reason, the wait is 90 days from the date of the CLI denial. This is simple to ascertain from the Adverse Action Notice that will be mailed to you by Amex and which is also available online.

2. If denied for a time-related reason, the wait is 30 days from the date of denial. Time-related reasons are like applying before the first 60 days of card membership have elapsed, or applying before 180 days have elapsed since a previous CLI.

Amex's computers will automatically reject any CLI request submitted before the required waiting period(s) for the initial denial expire, but fortunately the clock is not reset.

The complicating factor is that new cardmembers are eligible to request a CLI after 60 days; obviously this is available only once as you are only new once. The probability of approval after just 60 days is low any many new applicants are denied. The wait then becomes an additional 90 days from the denial date before a CLI request can be re-submitted but if all goes well, a new cardmember can conceivably get a CLI after 150 days.

However, the wait for existing cardmembers is 180 days between CLIs. So its frequently recommended that new cardmembers also wait 180 days from the date of approval to maximize their odds; especially if they were first approved with a marginal EX FICO score.

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 22:02:09 GMT

@Queen_Etherea wrote:
@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.
Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.

An auto increase does not reset the clock, so if 180 days have passed since you last requested and were approved for a CLI you can try again right away. The rules only apply to requests initiated by the cardholder, not to auto-increases granted by Amex.

Re: Time Between CLI for AMEX After Denial

Anonymous — Tue, 04 Jun 2019 23:17:54 GMT

@Anonymous wrote:
The rules for Amex CLIs are pretty clear and straightforward:

1. If denied for a credit-related reason, the wait is 90 days from the date of the CLI denial. This is simple to ascertain from the Adverse Action Notice that will be mailed to you by Amex and which is also available online.

2. If denied for a time-related reason, the wait is 30 days from the date of denial. Time-related reasons are like applying before the first 60 days of card membership have elapsed, or applying before 180 days have elapsed since a previous CLI.

Amex's computers will automatically reject any CLI request submitted before the required waiting period(s) for the initial denial expire, but fortunately the clock is not reset.

The complicating factor is that new cardmembers are eligible to request a CLI after 60 days; obviously this is available only once as you are only new once. The probability of approval after just 60 days is low any many new applicants are denied. The wait then becomes an additional 90 days from the denial date before a CLI request can be re-submitted but if all goes well, a new cardmember can conceivably get a CLI after 150 days.

However, the wait for existing cardmembers is 180 days between CLIs. So its frequently recommended that new cardmembers also wait 180 days from the date of approval to maximize their odds; especially if they were first approved with a marginal EX FICO score.

Okay, my situation appears to add something to the rules. I was a new cardmember. I actually waited more than the first 60 days (it was 91 days when I requested the first CLI). My denial said something like "your relationship with AMEX is too recent," which I took as "you haven't had an account long enough," despite it being more than 60 days. I also interpreted that as meaning I could apply again in 30 days. And when I applied again, 30 days later, I was approved.

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Wed, 05 Jun 2019 18:10:10 GMT

@Anonymous wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.
Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.
An auto increase does not reset the clock, so if 180 days have passed since you last requested and were approved for a CLI you can try again right away. The rules only apply to requests initiated by the cardholder, not to auto-increases granted by Amex.

I've never receivd a CLI other than that one auto CLI.

Ok so let's say I request a CLI once a week, does that mean the clock resets each time I request one and am denied? Or did the clock start from that first denial and anything I do before that time doesn't matter? Does that make sense?

Re: Time Between CLI for AMEX After Denial

SouthJamaica — Wed, 05 Jun 2019 18:40:27 GMT

@Queen_Etherea wrote:
@Anonymous wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.
Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.
An auto increase does not reset the clock, so if 180 days have passed since you last requested and were approved for a CLI you can try again right away. The rules only apply to requests initiated by the cardholder, not to auto-increases granted by Amex.
I've never receivd a CLI other than that one auto CLI.

Ok so let's say I request a CLI once a week, does that mean the clock resets each time I request one and am denied? Or did the clock start from that first denial and anything I do before that time doesn't matter? Does that make sense?

It's my understanding that the 90 days - from - denial clock keeps resetting on each denial.

Re: Time Between CLI for AMEX After Denial

Queen_Etherea — Thu, 06 Jun 2019 14:06:23 GMT

@SouthJamaica wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.
Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.
An auto increase does not reset the clock, so if 180 days have passed since you last requested and were approved for a CLI you can try again right away. The rules only apply to requests initiated by the cardholder, not to auto-increases granted by Amex.
I've never receivd a CLI other than that one auto CLI.

Ok so let's say I request a CLI once a week, does that mean the clock resets each time I request one and am denied? Or did the clock start from that first denial and anything I do before that time doesn't matter? Does that make sense?
It's my understanding that the 90 days - from - denial clock keeps resetting on each denial.

Well then... I've been going about this all wrong. I guess It's not like Synchrony or Discover where you could be denied one day and approved the next, which has happened to me. Thanks for all the info!

Re: Time Between CLI for AMEX After Denial

SouthJamaica — Thu, 06 Jun 2019 14:16:02 GMT

@Queen_Etherea wrote:
@SouthJamaica wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
@Queen_Etherea wrote:
@Anonymous wrote:
If you hit the button early then go recalculate the dates and try again then.

If you're denied outside of an early attempt then it's typically a 90 day wait.

If you're approved then it's 180 days before you can go for it again. This counts for people w/ 2+ cards as the CLI clock is per cardholder not per card.
Thank you! That's probably why I haven't been able to get any CLI's on my other AMEX cards. I got an auto increase on my BCE like 2 months ago? So it seems I need to wait 180 days for any other CLI's.

However, when I chatted with someone at AMEX about this, they said I was eligible to request a CLI, but we all know how those front line CSR's can give the wrong info sometimes.
An auto increase does not reset the clock, so if 180 days have passed since you last requested and were approved for a CLI you can try again right away. The rules only apply to requests initiated by the cardholder, not to auto-increases granted by Amex.
I've never receivd a CLI other than that one auto CLI.

Ok so let's say I request a CLI once a week, does that mean the clock resets each time I request one and am denied? Or did the clock start from that first denial and anything I do before that time doesn't matter? Does that make sense?
It's my understanding that the 90 days - from - denial clock keeps resetting on each denial.
Well then... I've been going about this all wrong. I guess It's not like Synchrony or Discover where you could be denied one day and approved the next, which has happened to me. Thanks for all the info!

Some years back I was doing the same thing, until someone told me that I was definitely going to keep on getting denials until I waited 91 days from the last denial There isn't a day that goes by that I don't learn something here.