AMEX 3x CLI

[azfitz11]

I recently came up on my 180 days, so I applied for the 3x cli. The response I received online was I would receive my response via mail in 7 to 10 days. I know more often than not that means no way. But, I pay my balance in full every month, sometimes multiple payments and have never been late. I make just under six figures, so I wouldn't think income is the issue. Am I over reacting to not getting an immediate approval online?

[Anonymous]

Are you sure you're at 180 days? Maybe off by a few days... also the 3x cli isn't guaranteed. Does your credit profile support it? Open any new lines of credit in that time frame? Any fico changes?

[Anonymous]

I would call and make sure that 180 days has passed also make sure your Exp credit score did not drop below 675 or so. I usually wait 182 days just to make sure.

[azfitz11]

Thanks doinit1 and andydenver86 im checking on it

[Anonymous]

Let us know what happens. Anxious to see your results!

[azfitz11]

YA, too many recent inquiries. Gonna have to garden for awhile

[Anonymous]

---

@azfitz11 wrote:

YA, too many recent inquiries. Gonna have to garden for awhile

---

that is an interesting data point. Usually Amex seems to not really care about inquiries, or new accounts even.

[azfitz11]

Well, I do have to admit I'm jumping to conclusions. My Capitalone and 1st Nat. have both stated that my CLI's were declined due to "Too many recent inquiries" so I am assuming that this is true with AMEX. I figured I would wait for the letter from them.

[Anonymous]

So Amex denied your 3x cli? Seems really odd if so, unless your credit profile changed dramatically downward since you opened your account.

[Anonymous]

---

@Anonymous wrote:
So Amex denied your 3x cli? Seems really odd if so, unless your credit profile changed dramatically downward since you opened your account.

---

I had a CLI denied from AMEX recently for a change in score, dropped to just under 670, apparently their cutoff is right around that level.