topic Re: AMEX CLI Denied. in Credit Cards

AMEX CLI Denied.

cutemarty1 — Mon, 23 Apr 2012 17:49:31 GMT

Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

Re: AMEX CLI Denied.

drsmith — Mon, 23 Apr 2012 18:05:30 GMT

I've been declined twice now

At least they initially matched my highest line at $7k

Re: AMEX CLI Denied.

Revelate — Mon, 23 Apr 2012 18:09:31 GMT

From what I've read here, and if I remember correctly, you can request a CLI 61 days after opening. I'd be stunned if it were a HP: you got kicked out before they even looked at your report most likely, and traditionally Amex CLI's are SP's anyway.

Re: AMEX CLI Denied.

Walt_K — Mon, 23 Apr 2012 18:11:22 GMT

@cutemarty1 wrote:
Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

Doubt it was a hard pull. Amex is usually (always?) a soft for CLI requests.

I also don't think it resets your clock, so you should be good to request again in a couple days. This I'm not so sure about though.

As for timing, it is no CLIs in first 60 days. So you have to wait until day 61. I think that counts from account activation.

Re: AMEX CLI Denied.

Jake0215 — Mon, 23 Apr 2012 18:12:14 GMT

@cutemarty1 wrote:
Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.

Re: AMEX CLI Denied.

cs91 — Mon, 23 Apr 2012 18:57:29 GMT

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?

Re: AMEX CLI Denied.

cutemarty1 — Tue, 24 Apr 2012 06:41:04 GMT

@cs91 wrote:
I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?

OMG.

Anyway, tried reading numerous AMEX CLI threads -- one dude also jumped the gun and called again in a few days.

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!

Re: AMEX CLI Denied.

Anonymous — Tue, 24 Apr 2012 09:15:50 GMT

@cutemarty1 wrote:
@cs91 wrote:
I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?
OMG.

Anyway, tried reading numerous AMEX CLI threads -- one dude also jumped the gun and called again in a few days.

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!

April 27.

61 days or you'll get the same response.

Re: AMEX CLI Denied.

cutemarty1 — Wed, 25 Apr 2012 23:15:00 GMT

Got it. 2 more days....

Re: AMEX CLI Denied.

cutemarty1 — Fri, 27 Apr 2012 16:04:24 GMT

Just did automated today. --> CLI Denied due to high risk score. So when, is the next mark(date) for CLI guys? Am so sad today.

Re: AMEX CLI Denied.

flowfaster — Fri, 27 Apr 2012 16:09:03 GMT

Ahh sorry to hear that. Mind sharing your ex score and credit profile?

Re: AMEX CLI Denied.

webhopper — Fri, 27 Apr 2012 16:13:47 GMT

@Jake0215 wrote:
@cutemarty1 wrote:
Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.

I agree with this poster.... you should try again... its 61 days after activating the account... That's when I would try for it

Re: AMEX CLI Denied.

cutemarty1 — Fri, 27 Apr 2012 16:15:52 GMT

@webhopper wrote:
@Jake0215 wrote:
@cutemarty1 wrote:
Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.
I agree with this poster.... you should try again... its 61 days after activating the account... That's when I would try for it

I tried it on the 61-day mark.

Re: AMEX CLI Denied.

Tonya-E — Fri, 27 Apr 2012 19:41:58 GMT

@cutemarty1 wrote:
@webhopper wrote:
@Jake0215 wrote:
@cutemarty1 wrote:
Guys.

MY Amex Hilton was approved Feb 21. IT arrived Feb 26. I activated it Feb 26. Today, I applied a credit line increase throught the automated system by phone. I was denied and told that AMEX only increases credit lines after 60 days.

Was I it by a hard pull by this one? When is the exact time to ask for the CLI and thru phone? I don't have the CLI button on my account

Thanks. More power and more credit line increases to all!

ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.
I agree with this poster.... you should try again... its 61 days after activating the account... That's when I would try for it
I tried it on the 61-day mark.

90 days after denial

Re: AMEX CLI Denied.

Anonymous — Sat, 28 Apr 2012 10:49:31 GMT

Well hang in there just give it some time and go with it for now. I mean you have the card so now only time will help.

Re: AMEX CLI Denied.

gallifrey — Thu, 03 May 2012 20:36:36 GMT

How long did it take to get a response? Did they give you your ex fico?

Re: AMEX CLI Denied.

cutemarty1 — Thu, 03 May 2012 21:12:06 GMT

@gallifrey wrote:
How long did it take to get a response? Did they give you your ex fico?

My denial letter mentioned I had a 700 FICO.

Immediate outright denial through phone.

Re: AMEX CLI Denied.

gallifrey — Thu, 03 May 2012 22:52:22 GMT

Oh wow thanks. Mine are 670s. I wonder if I was supposed to stay on the line with them. :-/

Re: AMEX CLI Denied.

cutemarty1 — Mon, 23 Jul 2012 09:11:26 GMT

Should I do a CLI again on July 27? 90 days after being denied on the initial 61-day mark on April 27 guys? Thanks for your input guys!

Re: AMEX CLI Denied.

Anonymous — Mon, 23 Jul 2012 12:21:34 GMT

Make sure you have a 0 balance on the card. I got denied recently after the 61day mark because I have a 2000 balance on a 7500 CL. My EX score was 745 and got the same message about risk score. I kind of thought it would be denied because I'm using about 30% util but decided to take advantage of the 12 month no apr and worry about the CLI later but was worth a shot.