AMEX 3xCLI upon activation

Anonymous · ‎05-13-2015

Was declined for having a BK on my report. Doesn't make much sense since I was approved for the card in the first place. Lol. I guess I must've "slipped through the cracks."

Have any of you experienced this?

Anonymous · ‎05-13-2015

@Anonymous wrote:
Was declined for having a BK on my report. Doesn't make much sense since I was approved for the card in the first place. Lol. I guess I must've "slipped through the cracks."

Have any of you experienced this?

There have been reports from others of this happening. It just means that you were a marginal approval, and Amex wants to see some history with the card before increasing their exposure.

Anonymous · ‎05-13-2015

I agree with CAPTOOL's statement.

TRC_WA · ‎05-13-2015

I was instantly approved in December 2014 for a $5k revolver and have yet to be able to get a CLI of any kind... citing my 6+ year old BK13 that is due to fall off in the coming months.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎05-13-2015

@TRC_WA wrote:
I was instantly approved in December 2014 for a $5k revolver and have yet to be able to get a CLI of any kind... citing my 6+ year old BK13 that is due to fall off in the coming months.

Hmm, very interesting. I'm certainly alright with what I have. I guess I've just read about this working so often with otheres here, I didn't really think there would be a reason it would be declined.

Anonymous · ‎05-13-2015

@Anonymous wrote:
@Anonymous wrote:
Was declined for having a BK on my report. Doesn't make much sense since I was approved for the card in the first place. Lol. I guess I must've "slipped through the cracks."

Have any of you experienced this?
There have been reports from others of this happening. It just means that you were a marginal approval, and Amex wants to see some history with the card before increasing their exposure.

That make sense.

Anonymous · ‎05-13-2015

i would deff wait for wait the 61 days just like me... i got 2k recently

Anonymous · ‎05-13-2015

i was dinied when i asked for the increase im waiting the 61 days.