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Amex CLI 7-10 message

fsalsa2
Regular Contributor

Amex CLI 7-10 message

Hey FICO Forums,

 

so I applied for a CLI on my 62nd day for my Amex delta platinum and when I called for a status they said that the system declined it. I asked the representative what I could do and she said it would be sent to an underwriter, has anyone has a similar experience and if so what happened?




NFCU Cash Rewards: $8000
NFCU More Rewards: $3000
NFCU Visa Signature Go Rewards: $13,600
Capital One Quicksilver: $500
Capital One Quicksilver One: $500
Military Star Card: $ 2,475
Venmo Credit Card: $2,700
USAA Platinum Visa: $4,000
American Express Delta Skymiles Platinum: $1700
American Express Platinum
Message 1 of 6
5 REPLIES 5
JoeLuvsHisCredit
Valued Contributor

Re: Amex CLI 7-10 message

Sorry I can not help but your post needs to be move to  Credit Card Applications. for more help Smiley Happy Good luck Smiley Happy

Message 2 of 6
Wavester64
Valued Contributor

Re: Amex CLI 7-10 message


@fsalsa2 wrote:

Hey FICO Forums,

 

so I applied for a CLI on my 62nd day for my Amex delta platinum and when I called for a status they said that the system declined it. I asked the representative what I could do and she said it would be sent to an underwriter, has anyone has a similar experience and if so what happened?


I have gotten this my last several times with Amex, the last time being earlier this month. When I got the AA letter, it stated:

 

"Your recent payments are too low in relation to the balances on your account."

 

...and that was after 181-days.

 

..the waiting continues Smiley Indifferent







Potential Future Cards
Message 3 of 6
southwestern653
Established Member

Re: Amex CLI 7-10 message

Is your Experian fico score 651?  If so, that's too low. I think you need 700+ to be considered for CLI.  My score is around 685 and they have declined the increase due to the score being too low the last 2 attempts. 

Message 4 of 6
Jordan23ww
Established Contributor

Re: Amex CLI 7-10 message

When I first tried to get a CLI on my Blue Cash Preferred card it was at approximately 86 days, my Fico Score was 736 but the score used for a soft pull was showing 706. Once you get your 1st Amex sometimes the score they use can be a month or 2 old.  I got denied for my score being too low.  I tried again 3 months later and my CLI got approved at Fico score of 736.

 




Message 5 of 6
fsalsa2
Regular Contributor

Re: Amex CLI 7-10 message

Thanks for the input! 




NFCU Cash Rewards: $8000
NFCU More Rewards: $3000
NFCU Visa Signature Go Rewards: $13,600
Capital One Quicksilver: $500
Capital One Quicksilver One: $500
Military Star Card: $ 2,475
Venmo Credit Card: $2,700
USAA Platinum Visa: $4,000
American Express Delta Skymiles Platinum: $1700
American Express Platinum
Message 6 of 6
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