AMEX CLI Denial

[QuakerOatmeal]

So my journey has been a bit bumpy- but I'm in an okay place. My score is at 700-715, I have basically all the cards I want (except those darn 5/24 Chase cards).

I'm coming up on a year of being in AMEXs good graces again.

I put a lot of use on my Gold/Platinum cards, I also have the SPG and Baby HHonors (both with 1,000 dollar credit limits)

In July I tried to get a 3x CLI on the Hilton card, got declined.

I attempted another today, and was told I tried too soon after getting denied. The CSR then told me I needed to wait another 90 days before even attempting to hit that button.

I just feel so aggravated. I'm putting 8-10k/month between my gold/platinum card, and have decent limits with other CC companies.

Another 3 months stuck with such small limits annoys me so so much. I have a trip to california and I'm staying at a Hilton, and I doubt the HHcard will even be able to cover the trip because the limit is so low. I asked if I could speak to someone in the reconsideration dept and I was told no, that it would be a waste of time.

When will I break out of this AMEX purgatory?

[FinStar]

CLI reconsiderations are fairly rare. On the surface, and aside from pulling the trigger too early, it appears that there is something with your overall profile that's hindering those efforts.

When you applied for SPG and HHonors, was your overall profile considerably different than today? Typically, the low ($500 - $1,000) SLs give somewhat of an indication that your profile barely made the cut.

At this point, all you can do is wait for the revolvers to grow.

[QuakerOatmeal]

I was probably at the 680-690 range, I got approved for the SPG and HHonors the same day. The small limits make them nearly unusable at SPG/Hilton locations. Very aggravating.

All I can think of doing at this point is sock drawering them, and forgetting they exist because whenever I remember I think of them, and am faced with those CLs I get annoyed.

Even my Discover Card which graduated at 6 months like clockwork got a CLI to 1500, and a PC to the Cash Back card.

[Anonymous]

You must wait 90 days after the last denial based on your profile, denial due to early trigger should not reset the clock, you probably misunderstood the CSR who probably meant 90 days from the denial in July, call back and ask when you would be eligible for CLI without divulging the early trigger denial.

[QuakerOatmeal]

This makes me feel a little better, thank you.

[drboxing]

You have both Gold and Platinum cards? If so, wondering how that works? I have the Biz Platinum but thought of applying for the personal Gold (PRG)

[Shadowfactor]

As stated above.
90 days from denial.

You mentioned that you were back in Amex’s good graces ?

Do you have a negative history with Amex ?
If so, that would be the main reason for your denial.

I have both the PRG/Platinum. It’s a nice combo. They earn different rewards with little overlap in benefits.

[QuakerOatmeal]

I never *burned* AMEX, but fell behind when I was 19 or so and paid them back over a few months, but they still closed my accounts.

It never went to collections. This was back in 2007/2008 around there.

Being a spoiled 18 year old, I was not ready for a charge card, and the responsibility that carried.

Fast forward to now, after having to claw my way out of debt, and fix my credit, I am much more prepared and responsible with my finances. 

Two of my goals was to get my AMEX and Nordstrom cards back again.

I rarely shop at Nordstrom anymore, but for nostalgias sake! (Nordstrom accepted me back already)

[drboxing]

I included AMEX and Nordstrom in the BK, AMEX finally let me back in, Nordstrom continues to deny me.