AMEX Denied 3x CLI - Decision based on FICO Score

[TheFIGuy]

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@HeavenOhio wrote:

@TheFIGuy, what's your current limit? The reason I ask is that cards with a 1k limit or below are notoriously hard to budge. If you start out with even a hair higher than 1k, chances of receiving a CLI improve tremendously.

In the past, 700 has been enough to keep scores from getting in the way. But it seems like that number might be inching up recently.

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3k Starting Limit.

[bzbigsis]

Oddly, I was denied for the same reason, same score today. I called and spoke to someone in the credit limit increase department who stated that even with a higher score it might be denied based on the reasons creating the score. I had not heard that before. My limit is currently $2,000 on Amex Cash Preferred.

[TheFIGuy]

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@bzbigsis wrote:

Oddly, I was denied for the same reason, same score today. I called and spoke to someone in the credit limit increase department who stated that even with a higher score it might be denied based on the reasons creating the score. I had not heard that before. My limit is currently $2,000 on Amex Cash Preferred.

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That's interesting, so what are your reasons?

Might have some good DP's for others looking to request an AMEX CLI and save some people the 91/day wait.

[bzbigsis]

Serious delinquency (from March - mortgage) - this is my guess since that was the only delinquency.

Number of accounts with delinquency (from my Student Loans showing a 30 day late in 2017) - working on goodwill letters.

[TheFIGuy]

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@bzbigsis wrote:

Serious delinquency (from March - mortgage) - this is my guess since that was the only delinquency.

Number of accounts with delinquency (from my Student Loans showing a 30 day late in 2017) - working on goodwill letters.

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Interesting, I, too, have student loans that have past delinquencies. Great Lakes didn't budge on removing/goodwill them after the rehabilitation, so I'm basically stuck with them for now.

[AverageJoesCredit]

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@TheFIGuy wrote:

Just wanted to add some DP's:

• EX FICO 8 Score 710 (Via the Letter)
• My score has gone up since card approval with no new account (yet)
• Reason(s) for our Denial Decision
  • Your FICO Score

@AverageJoesCredit This is in response to the comment about me applying for the AMEX CLI too early. Looks like they just didn't like my FICO score. So here is to 6/months or 181/days of waiting...

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Sorry. My last request was listed  denied due to low score, 714. I just took it as a no.