Ok. Thx. I got what Irish said and it was helpful. I think his is me not explaining my question very well. I’m
Gonna try for the one part I still don’t get.
When you get a denial on your first CLI attempt ... let’s say at day 60 because you counted wrong. You can still apply on day 61 (the next day) and get approved. I’ve seen many posts on that.
So if I applied for a CLI on day 61 and was denied I need to wait 91 days from that denial to get one on any card. I get that.
What I am wondering is let’s say I try to get a CLI 89 days after my last denial. Do I then need to wait another 91 days because I didn’t count right or if I applied 2 days later which would be 91 days then I would be eligible.
Thx in advance.
Gonna try for the one part I still don’t get.
When you get a denial on your first CLI attempt ... let’s say at day 60 because you counted wrong. You can still apply on day 61 (the next day) and get approved. I’ve seen many posts on that.
So if I applied for a CLI on day 61 and was denied I need to wait 91 days from that denial to get one on any card. I get that.
What I am wondering is let’s say I try to get a CLI 89 days after my last denial. Do I then need to wait another 91 days because I didn’t count right or if I applied 2 days later which would be 91 days then I would be eligible.
Thx in advance.
Asking too early doesn't count as a denial. As impatient as I am, that would be disastrous! LOL I have asked too early, got the email that I needed to call in (which I don't do after the first time since I now know that they are just going to tell me their policy of needing to wait at least 90 days), and then tried again with success the next day, or the day after. Mildly related, but trying to reallocate credit lines between Amex revolvers less than 30 days since the last time is the same. No clock reset, just attempt again on another day.
@Anonymous wrote:
Ok. Thx. I got what Irish said and it was helpful. I think his is me not explaining my question very well. I’m
Gonna try for the one part I still don’t get.
When you get a denial on your first CLI attempt ... let’s say at day 60 because you counted wrong. You can still apply on day 61 (the next day) and get approved. I’ve seen many posts on that.
Yes, you can.
So if I applied for a CLI on day 61 and was denied I need to wait 91 days from that denial to get one on any card. I get that.
Clarify on this. I think if you're denied on day 61, you have to wait 181 days from the last CLI request (denied or approved).
What I am wondering is let’s say I try to get a CLI 89 days after my last denial. Do I then need to wait another 91 days because I didn’t count right or if I applied 2 days later which would be 91 days then I would be eligible.
Let's just say it is 91 days. If you requested a CLI 89 days from previous CLI request, just wait 2 more days then request again.
It's 61, 181, 181, 181 and so on. 61 days only with the first one. If you get a second account on day 40, the count remains the same. You don't reset your count.
Thx in advance.
Denial - 91 days Approved & accepted - 181 days Approved & declined -31 days
@Anonymous wrote:
@Anonymous wrote:
Ok. Thx. I got what Irish said and it was helpful. I think his is me not explaining my question very well. I’m
Gonna try for the one part I still don’t get.
When you get a denial on your first CLI attempt ... let’s say at day 60 because you counted wrong. You can still apply on day 61 (the next day) and get approved. I’ve seen many posts on that.
Yes, you can.
So if I applied for a CLI on day 61 and was denied I need to wait 91 days from that denial to get one on any card. I get that.
Clarify on this. I think if you're denied on day 61, you have to wait 181 days from the last CLI request (denied or approved).
What I am wondering is let’s say I try to get a CLI 89 days after my last denial. Do I then need to wait another 91 days because I didn’t count right or if I applied 2 days later which would be 91 days then I would be eligible.
Let's just say it is 91 days. If you requested a CLI 89 days from previous CLI request, just wait 2 more days then request again.It's 61, 181, 181, 181 and so on. 61 days only with the first one. If you get a second account on day 40, the count remains the same. You don't reset your count.
Thx in advance.
Denial - 91 days, Approved and accepted - 181 days, Approved and declined - 31 days
@Anonymous wrote:
@Anonymous wrote:
Ok. Thx. I got what Irish said and it was helpful. I think his is me not explaining my question very well. I’m
Gonna try for the one part I still don’t get.
When you get a denial on your first CLI attempt ... let’s say at day 60 because you counted wrong. You can still apply on day 61 (the next day) and get approved. I’ve seen many posts on that.
Yes, you can.
So if I applied for a CLI on day 61 and was denied I need to wait 91 days from that denial to get one on any card. I get that.
Clarify on this. I think if you're denied on day 61, you have to wait 181 days from the last CLI request (denied or approved).
What I am wondering is let’s say I try to get a CLI 89 days after my last denial. Do I then need to wait another 91 days because I didn’t count right or if I applied 2 days later which would be 91 days then I would be eligible.
Let's just say it is 91 days. If you requested a CLI 89 days from previous CLI request, just wait 2 more days then request again.It's 61, 181, 181, 181 and so on. 61 days only with the first one. If you get a second account on day 40, the count remains the same. You don't reset your count.
Thx in advance.
@Anonymous wrote:
Not sure what I am counting wrong then. I appreciate the replies. I keep getting the “you have been denied in the last 90 days” reasons. Thing is, if I understand correctly I should not be getting that reasons. I was denied in May of 2017-mid May let’s say. So by July 1 for sure which is a bit over 90 days (or 91) I should be fine, yet I just got one this week that says the 90 day thing.
If I call them would they tell me when I am eligible again?
Mid-May to July 1 isn't 90 days. For example, May 15 to July 1 is only 52 days.
Yeah, you'll need to wait until at least mid-August: 91 days or more after your mid-May denial. If you call the number in the email you got from Amex they will tell you the date that you may try again. You can also use the Amex Application Status page to see when you made your requests. (Edit: I thought that showed CLI requests but it specifically says that it doesn't. I do see all of the times I did or tried to reallocate revolving lines from Blue to SPG.)