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Amex CLI Denied

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Amex CLI Denied

Requested a 3X cli from Amex from $7,000 to $21,000 and the reason was overal debt. Must’ve been my student loans which is about $150k. My utilization is less that 5% and I PIF each month.

It was for the BCP which initially gave me a limit of $2k but I moved $5k from my Delta Plat. Looks like I won’t be getting a CLI from them anytime soon unless I win the lottery lol

All of this is odd because I was approved for a BBP biz card with a revenue of $10k and they gave me a $20k limit. Guess they base that more on business revenue but they looked at the same credit report.
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Community Leader
Senior Contributor

Re: Amex CLI Denied

Yep, I agree. More than likely AmX looked at your DTI and deemed that $150K in student loan brutal.
GOALS: Garden til DEC 2020 and 800 Club

JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
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