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AMEX initial 3 X CLI declined, now what?

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sobeone1
Regular Contributor

Re: AMEX initial 3 X CLI declined, now what?

Just got my first Amex card, it was the everyday card. Soon as I recieved the card I asked 3x and got it. I went from 3.5k to 10k. But what I beleive is true when you start out low cl you barely made so so you are more of a risk so maybe wait. I just dont now how to wait.

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)
Message 21 of 26
Anonymous
Not applicable

Re: AMEX initial 3 X CLI declined, now what?

^ lmao. yeah mine was $2k limit (which is low) so i am a risk lol. also idk why they even approved me honestly. had only a 650 at the time (about 671 now) and 2 accounts reporting 60 days late in 2013 and one account reporting 30 days late in october of 2014 lol. i applied in march of 2015..
Message 22 of 26
newhis
Valued Contributor

Re: AMEX initial 3 X CLI declined, now what?


@sobeone1 wrote:

Just got my first Amex card, it was the everyday card. Soon as I recieved the card I asked 3x and got it. I went from 3.5k to 10k. But what I beleive is true when you start out low cl you barely made so so you are more of a risk so maybe wait. I just dont now how to wait.


My card was 2k and I got the 3x after 2 weeks with it. My DW was 3.5k and got denied after 1 week. Also my APR was 8% higher than hers.

Message 23 of 26
taxi818
Super Contributor

Re: AMEX initial 3 X CLI declined, now what?


@Anonymous wrote:

@Seatown1two wrote:

90 days unless denied for doing it too soo if in not mistaken.


Yep, 90 days, except there is no longer any such thing as too soon.


+1. Too bad. Those 1k limits with amex are killers for cli's

Message 24 of 26
Anonymous
Not applicable

Re: AMEX initial 3 X CLI declined, now what?

I love these threads. People are asking all the questions that I am thinking. I don't have my BCE yet (hopefully it will be in the mail box tomorrow). 2k starting limit. Should I try for the 3x CLI on activation or wait?
Message 25 of 26
Anonymous
Not applicable

Re: AMEX initial 3 X CLI declined, now what?

just try at activation. 50/50 shot it works for you
Message 26 of 26
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