AMEX CLI denied

[Jnbmom]

Ok the first reason guilty but the second reason are you kiddding me I owe them $171.00 bucks out of 20K limit IMG_4037.jpeg

[Brian_Earl_Spilner]

Are you carrying balances elsewhere? They say relative to your income meaning they looked at your ability to pay.

[Janneman]

From my own experiences and observations on various credit sites over the years, I have learned and realized that once a lender (any lender) doesn't want to extend a credit then they would throw the book on you for all kinda reasonings even though those reasonings seem not applicable to you and make no sense at all. Also, 99% of the time those reasonings are computer generated than a manual one. I am sure it has happened to everyone...It certainly happened to me more often than I can count.

[Saleen099]

Sorry, about NOT getting an increase. 

I can relate to the first one. 

[Jnbmom]

---

@Brian_Earl_Spilner wrote:

Are you carrying balances elsewhere? They say relative to your income meaning they looked at your ability to pay.

---

Utilization is at 1%

[FireMedic1]

So sorry @Jnbmom . If anything can happen. You've experienced it. Throw the magnet away!

[Dp23]

At what number does AMEX ask for bank statements. Is it 25k or 35k?

[Shooting-For-800]

---

@Dp23 wrote:

At what number does AMEX ask for bank statements. Is it 25k or 35k?

---

Depends.

My DW was fine at $35k, wanted income verification at $40k.

[OneGun]

I just got denied for insufficient income. I was trying to go from 9k to 15k. I have 3 Amex cards a BCP with 9k, Hilton no AF with 1k and a Gold with 10k POT. My income is only 28k. I guess I hit the max Amex is willing to give me