Amex CLI ED - Wait?

[Anonymous]

Back on March 27th, I was given an auto CLI of 1k(5k to 6k) on my Amex ED. Don't know why but on April 19th I applied for another CLI and was denied.

I've been in the garden since April and was just approved for an Amex Plat AND Mercdes-Benz Amex on the same day(end of July).

How long should I wait until I request a CLI on my Amex ED given my recent activity with Amex?

[Anonymous]

Your recent approvals shouldn't matter with the request for your CLI. Usually you have to wait 90 days after a CLI or Denials, so if you were denied on April 19th, I think it's safe to say that you should be able to request another one now. Good luck to you and let us know how it turned out!

Congrats with your Platinum and Benz! did you get the 100K sign-up offer?

[Anonymous]

Mco thanks for your input! I did not get the signup 100k offer, I got the 50k offer. I'll let you know how my cli turns out

[Anonymous]

If you are denied a CLI you must wait ninety days before you can apply again and if you are approved for a CLI then you must wait one hundred and eighty days before you can apply for another. Even if you have multiple cards with them you as an individual can only get two each year.

[Anonymous]

tel12  does  the 2 CLIs per year include auto and manual increases?

[Anonymous]

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@Anonymous wrote:

tel12  does  the 2 CLIs per year include auto and manual increases?

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No only those you request.

[Anonymous]

All, I hit the luv button and was denied ... my EXP FICO is 716 but I was denied due to "internal risk score". I current have 3 Amex and have been a member since 2015. Any thoughts?

[Anonymous]

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@Anonymous wrote:
All, I hit the luv button and was denied ... my EXP FICO is 716 but I was denied due to "internal risk score". I current have 3 Amex and have been a member since 2015. Any thoughts?

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They may feel that you are at the max of what there internal scoring algorithm has set for your credit profile. What are the limits of your other Am Ex cards, any negatives on your reports, utilization percentage, if you wish to share that information for better responses.

[Anonymous]

@Tel Amex ED CL 6k at 30% UT, Amex Mercedes Revolver CL 1K(O balance - new card), Amex Plat(O balance - new card). No baddies. 28% UT overall for all accounts.

[Anonymous]

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@Anonymous wrote:
@Tel Amex ED CL 6k at 30% UT, Amex Mercedes Revolver CL 1K(O balance - new card), Amex Plat(O balance - new card). No baddies. 28% UT overall for all accounts.

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It may have helped if your UTI is lower. I'm not so sure but I heard AMEX usualy likes to see use of cards and paying in full. Unfortunately if you are declined you have to wait 90 days from the day to try again. If approved, 181 days...