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AMEX everyday card

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New Visitor

Re: AMEX everyday card

Thanks for the answer. i have requested them for a CLI but they said i would get a response by mail .Would it pull a hard inquiry ?

Message 11 of 14
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Community Leader
Senior Contributor

Re: AMEX everyday card

No, AmEx CLI requests are SP.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 12 of 14
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Established Contributor

Re: AMEX everyday card


@gu_ran123 wrote:

Thanks for the answer. i have requested them for a CLI but they said i would get a response by mail .Would it pull a hard inquiry ?


I haven't requested an Amex CLI in years, so no personal experience, but this thread suggests generally no:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/18110...

 

This thread suggests possibly yes:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-CLI-request-resulted-in-hard-pulls/td...

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 13 of 14
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Super Contributor

Re: AMEX everyday card

Sounds like you got a denial of the CLI.

At $30k, if they had only just CLI you there in December you are probably at your max allowed exposure.

You may be able to get some increase in June or July (6 months wait) but I wouldn’t be surprised if they go to Income Verification to get to higher amounts.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 14 of 14
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