I have 3 AMEX cards and a business line of credit. the total amount of credit is abouyt $55k. I hit the CLI on my persnal account which is at $12k. asked for an $8k increase and was hit with the message top connect my bank or upload bank statements. I'd prefer not to do that because I have a number of accounts I use for diect deposit and I'm using my wifes income as part of the houdsehold income. I hit cancel but its now waiting for me to either upload or connect banks accounts. I actually tried to connect a few of my accounts and i got an error for one bank, and other banks are not even on the list. Should I call and explain that and send documents or just wait the waiting period for it to be denied? I would like to maybe request a smaller amount and not go through the income verification if possible.
you can allow the request to expire, there shouldn't be any adverse impact for doing so.
they might send a few emails and call once or twice, but you can just let that go to voicemail. there's a specific number for an underwriting department they'll have on the emails that you can call and speak to specifically somebody from underwriting to withdraw the request, but I would just let it expire.
hopefully with more time or asking for less next time it lets you ask, you can get a CLI without an IV request.
