@cr101 wrote:I can't be the only one who got denied...I'd like to hear how everything turned out with future CLI requests or auto CLI.
For me, I had a SL of 1k and have a lot of student loan late payments from a few yrs ago. But, I was declined for too many new accounts or inquries. I know that I can technically request a CLI anytime. But, do they actually reconsider the request each time or are they somehow using the same credit report for X days or automatically handing out the same decision for X days?
I was denied my first 2 times on a 1K starter. My score was borderline so I understood.
DW applied for BCP and received the IV request. She/we complied and all of the sudden Amex opened the doors for me.
They go by the monthly score they pull and show to you. If it improves they will use that one in my experience. They soft pull constantly. I really believe they want to approve.
It's actually more common to be denied than it is to be approved. $500-1000 limits especially. People hype it up too much round these parts.
I was denied at 61 days too. 1k SL on Delta Gold. What I wish I had known at the time was that their score reporting is a month or so behind, meaning they do not go by the score you see on their website, rather the score that you saw roughly a month ago. Go back and look what they used the month prior and it will give you a better idea of what you are working with.
