AMEX CLI Denied - Insufficient income relative to obligations

[djshifted]

Tried for an AMEX CLI today, and it was denied for "The income you provided is insufficient relative to your overall debt obligations as reflected in our records or on your credit report."

Current AMEX total limit is $3k, $2k on this BCP, and $1k on a Delta. My credit lines total ~$25k with about 10% usage. Only thing I can figure is that they don't like my recent vehicle purchases, we bought 2 about 6 months ago.  I do want to switch over to using my BCP as my primary card, but I severely dislike having to make multiple payments on it each month so I may stop using it aside from recurring subscriptions.

[FireMedic1]

Call and ask about the details. DM Sent.

[markbeiser]

It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...

[Jnbmom]

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@markbeiser wrote:

It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...

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Yes they may not be comfortable with your reported income .

100% agree your signature is EXTREMELY large .

[fury1995]

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@Jnbmom wrote:

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@markbeiser wrote:

It could be that your DTI ratio is higher than they are comfortable with.

Also, them's some BIG images for a sig...

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Yes they may not be comfortable with your reported income .

100% agree your signature is EXTREMELY large .

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@djshifted Try this for your signature instead. Let me know if you want it larger, lol.

You need to update those SCORES!!

<img src="http://i.imgur.com/yknAPPn.png" height="31" width="70" title="PenAir FCU MC - $6,500" /><img src="http://i.imgur.com/M2ymHQd.png" height="31" width="70" title="Walmart Store Credit Card - $3,500" /><img src="http://i.imgur.com/ftoJ1Pk.png" height="31" width="70" title="Wyndham Rewards Visa (AF) - $5,000" /><img src="http://i.imgur.com/RLHt38t.gif" height="31" width="70" title="AMEX Delta Gold - $4,000" /><img src="http://i.imgur.com/ILYHjyV.png" height="31" width="70" title="Amazon Prime Credit Card - $3,500" /><img src="http://i.imgur.com/CZ8ckYi.gif" height="31" width="70" title="Barclay Rewards MC - $2,500" /><img src="http://i.imgur.com/Rne8F9W.png" height="31" width="70" title="AAdvantage Aviator Silver World Elite MC - $2,500" /><img src="http://i.imgur.com/8OMWuHs.png" height="31" width="70" title="HHGregg Credit Card - $3,000" /><img src="http://i.imgur.com/pwK2R42.png" height="31" width="70" title="Express Next Credit Card - $1250" /><img src="http://i.imgur.com/kgeV87x.png" height="31" width="70" title="USAA Classic American Express - $500" />

[djshifted]

Heh. Sorry for the signature, it wasn't like that last time I posted (which has probably been 6-7 years.  Just removed them for now, I've seriously cut down on cards since then

[Jnbmom]

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@djshifted wrote:

Heh. Sorry for the signature, it wasn't like that last time I posted (which has probably been 6-7 years.  Just removed them for now, I've seriously cut down on cards since then

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It's fine for people who like signatures and you are fine with having them just maybe a little smaller 😊