I applied for my CLI and received the 7-10 day message. I tried over the line to make sure my dates were correct. It said reason was "I have to wait atleast 60 days". So I hopped on chat and asked what my account creation date was and they confirmed that I am past the 60 days and offered to re-submit the app for me and I received the 7-10 message again. So now I am going to wait to see what was in the letter.
My amex UTI reported is 22% but at the time of app I had pending trans/credits on another amex card. everything just balanced out today putting that account at 15%UTI.
My overall UTI at time of app is 20%. My credit score when I apped with amex was 666. Its now 696 but When I log on to amex its still showing 666. I pulled my experian report from their website and it still has my cap one accounts with a balance. Which I paid a month ago and combined the accounts and also it still not reporting my amex cards like the other 2 bureaus are.
changes to credit profile since I have had my amex account: I have added 4 additional inquires (7total), opened 3 accounts(one another amex revolver), lowered my overall uti and combined an account. I did all of this around the same time.
