Amex CLI/New Account Question

[stealthc63]

I have put in for a CLI on my BCE card twice now and was denied both times. I even tried applying for the every day cash card and was also denied. The denial letter is using a score from May 6th of this year which is probably why I keep getting denied. My score is showing at 670 with reasons being balances to limits is too high and overall utl is too hight. My scores are around 720 now with almost no balances. I called into Amex and nobody could give me an answer on when they update those scores. Does anyone have any insight on this. It's drivng me crazy.

[-Cain-]

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@stealthc63 wrote:

I have put in for a CLI on my BCE card twice now and was denied both times. I even tried applying for the every day cash card and was also denied. The denial letter is using a score from May 6th of this year which is probably why I keep getting denied. My score is showing at 670 with reasons being balances to limits is too high and overall utl is too hight. My scores are around 720 now with almost no balances. I called into Amex and nobody could give me an answer on when they update those scores. Does anyone have any insight on this. It's drivng me crazy.

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It might sound crazy, but I wonder if you asked them to HP, they may get a more current pic? Otherwise, you'll have to wait until they grab a new SP themselves.

[ojefferyo]

Give them a call and tell them the report they have is not accurate, you'll get a HP anyway if they approve you.