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AMEX initial 3 X CLI declined, now what?

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orestrus
Frequent Contributor

AMEX initial 3 X CLI declined, now what?

1k initial limit on Delta card..So now I'd have to wait 60 or 90 days? thank you guys!

BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
Message 1 of 26
25 REPLIES 25
Seatown1two
Regular Contributor

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

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

Amex Blue Cash - 22.9k | CSR - 21.9k | Cap One Quicksilver MC - 18.5k | BofA Travel Rewards - 15k | Lowes - 15k | Citi DC - 13.2k | Discover IT Miles - 20.1k | Amazon Prime Visa - 6k | BofA BBR - 5.4k
Message 2 of 26
Anonymous
Not applicable

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


@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.

Message 3 of 26
kdm31091
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.


There's no such thing as too soon as in you can be approved at any time, but the misconception that Amex just gives out 3x CLI with no rhyme or reason is still rampant around here. Any CLI is based on your profile. Amex no longer abides by waiting the initial 61 days for a CLI, but that doesn't mean you are guaranteed approval at any point.

 

OP, you simply have to wait 90 days, improve whatever reasons they listed and try again. Good luck.

Message 4 of 26
orestrus
Frequent Contributor

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

thank you!

BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
Message 5 of 26
Seatown1two
Regular Contributor

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

Ahh you're right. Looked over the word "initial" in the title. Smiley Wink

Amex Blue Cash - 22.9k | CSR - 21.9k | Cap One Quicksilver MC - 18.5k | BofA Travel Rewards - 15k | Lowes - 15k | Citi DC - 13.2k | Discover IT Miles - 20.1k | Amazon Prime Visa - 6k | BofA BBR - 5.4k
Message 6 of 26
Kostya1992
Established 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.


Thought the 180 day rule is still rock solid?

TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 7 of 26
chalupaman
Super Contributor

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


@orestrus wrote:

1k initial limit on Delta card..So now I'd have to wait 60 or 90 days? thank you guys!


You waited too soon and even after 60-90 days, there's no guarantee that you're gonna get the full 3x. When I had that Delta Skymiles card, I went for the 3x on the 61st day and got a counteroffer to double my limit instead.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 26
Anonymous
Not applicable

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.


 

 

i read somewhere on the forums that the 61 day rule no longer applies...BUT if it is your first AMEX account you still have to wait 61 days.

 

If that is the case, for the few of us that just opened our first amex and immediatly asked for luv before 61 days, I'm assuming we will have to only wait the 61 days from acct open.

 

I will try on the 61st day and let everyone know for sure.(6/22/15)

Message 9 of 26
Anonymous
Not applicable

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


@Kostya1992 wrote:

@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.


Thought the 180 day rule is still rock solid?


I believe 180 days applies when you arre approved, if it's a decline then it's 90 days, unless it's a decline for applying before the 90 days is up.

Message 10 of 26
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