Just hit my 61 day mark on my AMEX BC a couple days ago. Decided to take the plunge for a 3X CLI. My SL was 11,800, so I knew requesting the full 3X would likely trigger to 4506-T request.
Yep.......I was right 
So...........just curious how long I might expect to wait? Will I receive any notification? Or do I just need to keep checking my account on line?
I realized when pulling up my most recently filed tax returns, that the annual income I provided (original app) was about 700-800 more than what it was in 2014 (last available transcript). I can't imagine that wil make much of a difference??
Now I wait........................I think the message said 15-30 days for processing. Have since read a few posts on here from folks who seemed to wind up in endless limbo however........hope that's not the case.....
K
I am beginning to see how confusing this could get. Yesterday, I received a letter in mail from Amex regarding my requested CLI.
Attached to it was a 4506-T to complete and mail in. It was ONLY after reading all the way through the letter, I saw one short statement telling me to disregard if I had already completed the form on line. This part was pretty buried in the letter.
I just went on chat for the heck of it to see if they could tell me anything about the status. The rep told me they would check, and came back a few minutes later stating my request had been declined. When I asked why, with no counter offer, they put me on hold to check. They said the reason they saw displayed was "HI LOC"....meaning "high line of credit requested" per the rep.
Told the rep I was kind of suprised at the decine with no "counter offer" as my credit scores are 800+ and my utilization is <1%. They said they were sorry and that yes, typically a counter offer is made "if I am eligible". They gave me a number to call if I wanted to find out why there was no counter, and I called.
What I was then told was that my request was NOT declined, and that my 4506-T I submitted on line was accepted and had been sent to the IRS for processing. She told me that my request was still active, and that AMEX was just waiting for a response from the IRS. I still had the other rep on chat when I hung up and told her what i had learned from my phone conversation. I said that perhaps "declined HI LOC" only meant that it could not be auto approved.......and she told me that yes, that must be what it meant.......and was very happy my application was still active........
The wait continues..........
K
