AmEx CLI Request, got 7-10 Day?

ray8806 · ‎02-28-2015

With all of these AmEx CLI approvals, I decided to at least throw the app in. Usually, the page says "you've requested a CLI within the past 6 months, blah blah blah wait until after then". But this time, it actually let me apply for it. So I did and got the 7-10day message. Soon after, I got an email saying they made a decision and to log in to the status page. Well, now it won't let me log into the check status page.

My credit limit on my account hasn't changed. I went to the chat, and the rep said to wait still and to ignore the email.

What do you guys think?

EQ: 710(FICO) EX: 695(FICO) TU: 708(FICO)

ojefferyo · ‎02-28-2015

If your credit limit hasn't change then most likely a decline. When I got the CLI it was almost immediately update online.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

renclan · ‎02-28-2015

@ray8806 wrote:
With all of these AmEx CLI approvals, I decided to at least throw the app in. Usually, the page says "you've requested a CLI within the past 6 months, blah blah blah wait until after then". But this time, it actually let me apply for it. So I did and got the 7-10day message. Soon after, I got an email saying they made a decision and to log in to the status page. Well, now it won't let me log into the check status page.

My credit limit on my account hasn't changed. I went to the chat, and the rep said to wait still and to ignore the email.

What do you guys think?

I jumped the gun today too and got the 7-10 message. I called the number on the back of the card and I asked them to check the status. She said she could reenter the request and I would get an email. I got an email response like yours, obviously about her request saying I had already been declined within the last 90 days. Obviously I hadn't before today, so I am assuming I was declined with the 7-10 message originally. The recon dept. is closed until Monday..but I will call them then.

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674

Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.

Creditobsessed12 · ‎02-28-2015

Can you recon a CLI denial?

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board

ojefferyo · ‎02-28-2015

Amex won't recon a decline unless there is something incorrect with the report they based their decision on. Not saying they won't but chances are very slim.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

renclan · ‎02-28-2015

@ojefferyo wrote:
Amex won't recon a decline unless there is something incorrect with the report they based their decision on. Not saying they won't but chances are very slim.

Well, I figured it was worth a shot. I don't know when they last soft pulled me, but in the last month I have significantly lowered my credit card debt and have the only negative account deleted from my credit report. I don't know if they have seen this updated info and the CSR said I could call the credit increase dept.

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674

Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.