@Nismotony wrote:
I tried this last week for my 2 AmEx cards, was denined on both!!! In the 60 days I've had them i've run about 20k through the pair of cards already! At time of CLI request one was 0-1% and the other was 50% or so. I reconned by phone and they said they would send a letter. The letter said "Due to recent bankruptcy we can not approve your request". Both cards. The thing is the ch7 was over 5 years ago, and I was approved for the cards 60 days ago. The limits are in my sig. What is going on?
I got two Amex accounts back in April, a Green card and a BCP. The BCP only gave me a SL of $1K, and after the promo my interest rate will be 21%, so obviously I got in "by the skin of my teeth". The Amex disclosure showed my FICO at 695, and I have two CO that will age off next Spring. The final 'shocker' is that I had a BK7 back in 2000 - 15 years ago - and Amex was included in it. With their reputation for never forgetting anything I'm very shocked they considered me for an account at all.
This being said, I tried to get the "3X CLI" everybody tries for, and was promptly told I would get a letter in 7-10 days. The letter I got indicated my request was denied due to "A previous negative relationship with American Express", making it crystal-clear they haven't forgotten about what happened. Also, while my cards came with a MSD of 2015, after my cards were activated, whenever I log in online it now welcomes me as a "Member since 1995", erasing any doubt of their long memory.
So, while my circumstance are different (Amex was included in my BK7) I assume I'll likely wait a very long time for a CLI, if it ever happens. My 90 days will be up in August, so I might try again since it's only a SP, but I'm actually OK with it either way. Honestly, since I never thought I would be back in with Amex at all I'm just happy to have another chance. Also, my other bank cards have high enough limits to meet my needs (and have better rewards for general purchases), so I'm content using my BCP as a grocery store card for the 6% back.
Good luck to the OP... especially since he has no prior negative history with Amex, hopefully they will realize you have the potential to be a very profitable customer, and will give you the credit limit you deserve.
