topic Re: Question about AMEX CLI after 91 days in Credit Cards

Question about AMEX CLI after 91 days

azgal — Mon, 07 Oct 2024 11:20:32 GMT

It's been 93 days since I opened my AMEX Delta Gold card, but when I checked this morning to request a CLI, it said my account was newly opened so I wasn't eligible.

Does anyone know if there has been a recent change with AMEX regarding timeframes to request CLIs?

Re: Question about AMEX CLI after 91 days

coldfusion — Mon, 07 Oct 2024 13:37:44 GMT

@azgal wrote:
It's been 93 days since I opened my AMEX Delta Gold card, but when I checked this morning to request a CLI, it said my account was newly opened so I wasn't eligible.

Does anyone know if there has been a recent change with AMEX regarding timeframes to request CLIs?

90+ days has been the norm from a while (it used to be 60) but some cardholders have needed to wait 180+ days before being ruled eligible to request a CLI, unfortunately it reads like you might be one of them.

Re: Question about AMEX CLI after 91 days

GZG — Mon, 07 Oct 2024 15:27:42 GMT

@azgal wrote:
It's been 93 days since I opened my AMEX Delta Gold card, but when I checked this morning to request a CLI, it said my account was newly opened so I wasn't eligible.

Does anyone know if there has been a recent change with AMEX regarding timeframes to request CLIs?

just click the link everyday and wait for it to allow you to request one, it's tended to be ~90 days (or longer) as opposed to 91 days exactly

have you opened any other new accounts or got any other CLIs recently?

Re: Question about AMEX CLI after 91 days

FicoMike0 — Tue, 08 Oct 2024 00:26:34 GMT

I got a cli on amex hilton just last month at 90 something days. They went 3 X too.

Re: Question about AMEX CLI after 91 days

azgal — Tue, 08 Oct 2024 00:33:09 GMT

Thank you everyone for the helpful responses. It could be because I don't use the card very much since it has a low limit of $1,000.

I'll try again in 90 days and use it a lot more

Re: Question about AMEX CLI after 91 days

azgal — Fri, 11 Oct 2024 23:46:49 GMT

An update to share.

The CLI button for the AMEX Delta finally worked, but I was denied for the following reason: "You are participating or have recently participated in a payment relief or deferral program, received modified terms, or credit counseling services, on one or more of your accounts or loans."

I am a teacher, and our district offers small loans through a company named VIVA Finance which are paid through payroll deduction. Because we don't receive paychecks for most of the summer, VIVA automatically puts our loan into forbearance for two months until payroll deductions begin again. For some reason though, VIVA kept my loan status as "in forbearance" until two weeks ago, even though payments have been being deducted since July. Unfortunately, AMEX has used this as a reason to decline.

I did call AMEX and explained the situation to underwriting, and they responded that when they see a designation like that on a credit report it signals possible financial distress. They put a "note" on my account in case I ever decide to request another increase, but now I'm thinking it's going to be a very long time before I would ever be considered for a CLI with any card I have with AMEX. I've paid off the small balance on the VIVA loan ($300) so I won't have to worry about it again.

Other data points in case anyone is interested:

FICO 8 TU 730, EQ 729, EX 714

Utilization: 4%

Inquiries: TU 0/12; EQ: 2/12; EX: 1/12