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AMEX denied CLI

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Community Leader
Senior Contributor

Re: AMEX denied CLI


@CreditInspired wrote:
Hi @jnbmom

I’m trying to figure out their rationale. So, a few questions.

Is the 2% UT aggregate?  The card with the BT has 15K limit, 2K BT 

Are there any instances where other cards report a balance even though you PIF but because it may report erratically, it doesn’t report as a $0 balance.  There are a few that may report 20-40 but it is very rare, I also have about 20+ cards

And, are you making small monthly payments on the BT even though it’s 0% APR? We make around 200 payments

I’m just brainstorming because their reasoning seems really silly. I agree very very silly

But honestly I did include them in BK in 2005, and honestly think I/we are bucketed with them, I know that's usually a Crap one term, but I suspect they are doing the same.

EXP 758 TU 783 EQ 729
Message 11 of 18
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Community Leader
Senior Contributor

Re: AMEX denied CLI


@BrutalBodyShots wrote:

It's definitely that BT account.  Perhaps they saw the balance stagnant for too long, something that historically doesn't sit well with Amex.


I still thinks it's very odd, the new BT just hit last month and 2K out of 15K is really nothing. I think they pull this crap out of their ......

EXP 758 TU 783 EQ 729
Message 12 of 18
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Super Contributor

Re: AMEX denied CLI

Just read above that you burned them in the past.  I'd say that is probably an even bigger factor than the balance carrying.

Message 13 of 18
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Community Leader
Senior Contributor

Re: AMEX denied CLI


@BrutalBodyShots wrote:

Just read above that you burned them in the past.  I'd say that is probably an even bigger factor than the balance carrying.


Yup I know we are bucketed, i know everyone's miliage varies as others have gotten rather large lines, but it is what it is lol. I don't ever blame any lender that has been burned, they gave me a shot again and it's run it's courseSmiley Happy No harm no foul , just wish they would give real reason and not bogus mumbo jumboSmiley LOL

EXP 758 TU 783 EQ 729
Message 14 of 18
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Moderator

Re: AMEX denied CLI

FWIW, I was bucketed for a couple of years on my BCP... the key for me was usage.

 

I admit it was annoying at first, especially since so many of my other cards had given me much more generous credit lines, but I decided to not be concerned with "growing" my BCP and to simply use it for the rewards, and it worked.

 

I know it's hard to be patient when you read of all the CLIs other are getting (trust me, I know first-hand), but if you have a negative past history with Amex (as I do as well) it can take a while for them to come around.  In the mean time, use the card for the rewards and enjoy the other perks it may provide. Smiley Wink

Message 15 of 18
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Frequent Contributor

Re: AMEX denied CLI

I feel somewhat the same way. Got a BCE from them with same limit that has not moved. I am also giving that a year. However, try the business cards. I just got the Marriot card and Delta gold business cards in the same day both with $5000 limits. No HP was done at all. Might be worth it to try that route. But as always YMMV.

Message 16 of 18
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Community Leader
Senior Contributor

Re: AMEX denied CLI


@UncleB wrote:

FWIW, I was bucketed for a couple of years on my BCP... the key for me was usage.

 

I admit it was annoying at first, especially since so many of my other cards had given me much more generous credit lines, but I decided to not be concerned with "growing" my BCP and to simply use it for the rewards, and it worked.

 

I know it's hard to be patient when you read of all the CLIs other are getting (trust me, I know first-hand), but if you have a negative past history with Amex (as I do as well) it can take a while for them to come around.  In the mean time, use the card for the rewards and enjoy the other perks it may provide. Smiley Wink


Thanks @UncleB you always bring me back to sanity lol

EXP 758 TU 783 EQ 729
Message 17 of 18
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Community Leader
Senior Contributor

Re: AMEX denied CLI


@hawkins wrote:

I feel somewhat the same way. Got a BCE from them with same limit that has not moved. I am also giving that a year. However, try the business cards. I just got the Marriot card and Delta gold business cards in the same day both with $5000 limits. No HP was done at all. Might be worth it to try that route. But as always YMMV.


Thanks but I don't have a business. 

EXP 758 TU 783 EQ 729
Message 18 of 18
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