Amex CLI declined - wanted to share

[Anonymous]

You can ignore that crap about loan balances. That's a plug and play reason that automatically appears if you have an open loan. If you had no open loan it would list as a reason something along the lines of "no recent installment loan information".

[Anonymous]

I've tried for a CLI from Amex for almost 6 months now. I've tried 3 times now. Every time its declined. I give up. Besides, I already have 15k so its no biggie.

[SecretAzure]

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@Anonymous wrote:

I've tried for a CLI from Amex for almost 6 months now. I've tried 3 times now. Every time its declined. I give up. Besides, I already have 15k so its no biggie.

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Sounds like an income restriction that they may have for you internally. IE: Complex formula that says if you make X amount of $ a year, you can get up to a maximum of Y CL.

[Anonymous]

That sucks. Chin up! Be patient they will eventually!

[12njoy]

Sorry OP.  Take it from me, it will happen eventually.  I got my first 3x increase at 61 days and then had to wait 18 months for another one.  I kept trying every 90 days and then one day it went through.

[UncleB]

Hang in there!

At least your decline reasons are 'curable'... they've turned my down twice now due to an old account IIBK7 back in 2000 - 15 years ago!

It looks like I'll be on the 'naughty' list for the foreseeable future... LOL