Amex CLI denial

[Jnbmom]

Well I mistakenly timed it wrong or did it really matter 😕

Tried at 61 days was no go, I put down wrong month on my spreadsheet , should have triple checked that anyway got denial letter, first  2 reason obvious third reason YEAH right .

Inquiries - guilty as charged

Time with Amex - same 

And this is the kicker and I quote 

"The number of credit card accounts on which in OUR estimation, you have not paid a majority of the balance in recent months as indicated on your credit report"

I am at 2% utilization, I have 25+ accounts of which all but TWO I leave a balance as I am using BT offers .

I mean I know they are just reasons but come on lol.

Back to my corner 

[Girlzilla88]

LOL rude....I just asked for a CLI recently too and got the 7-10 day message (pretty much denial LOL)    But mine I was just bored and it was passed my 91 day time ....Has Amex ever given you love?!       I just need some positive messages to hold onto XD

[Jnbmom]

@Girlzilla88 

I had a few cards over a year ago they got ZERO increases and were low limits. I got tired of waiting (May have been rash decision to close but it is what it is )

So I decided this year to try again got 10K SL so much better . So tried at 61 no soup then tried too early this time , not sure if I will try in august or not , but it's a SP no harm no foul .

[Girlzilla88]

Haha I say no soup too but I'm feeling like I may have to get a second card to see any sort of increase at this point.....almost two years and no increase?!    Hmm....in fact it's my only card not to increase...but I am glad you got back with a bigger SL    And you should like you said it's a SP so why not!?

[GApeachy]

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@Jnbmom wrote:

not sure if I will try in august or not , but it's a SP no harm no foul .

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Sorry it was a no go today.  Yeah, August might work out better depending on how things are going with this messy world situation. I'm just gonna wait until life gets back to normal or the new normal before knocking on their door.  Btw, smooth move closing out the low limit and then reapplying for that 10k sl...that's a big win right there. 

[AverageJoesCredit]

Yeah i tried recently.  I thought my last increase was in Jan. Oh well. I shouldnt poke bears but i just dont care if my cards close. Bigger issues and all

[Anonymous]

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@Jnbmom wrote:

Well I mistakenly timed it wrong or did it really matter 😕

Tried at 61 days was no go, I put down wrong month on my spreadsheet , should have triple checked that anyway got denial letter, first  2 reason obvious third reason YEAH right .

Inquiries - guilty as charged

Time with Amex - same 

And this is the kicker and I quote 

"The number of credit card accounts on which in OUR estimation, you have not paid a majority of the balance in recent months as indicated on your credit report"

I am at 2% utilization, I have 25+ accounts of which all but TWO I leave a balance as I am using BT offers .

I mean I know they are just reasons but come on lol.

Back to my corner 

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"The number of credit card accounts on which in OUR estimation, you have not paid a majority of the balance in recent months as indicated on your credit report"

AWESOME. That's one I haven't seen yet.  That's some internal Amex BS there...

[GApeachy]

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@AverageJoesCredit wrote:

Yeah i tried recently.  I thought my last increase was in Jan. Oh well. I shouldnt poke beats but i just dont care if my cards close. Being issues and all

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Naw, hang on AJC....you're tired and without knowing what to expect you're double tired.  Don't poke any bears, they may be sick!  Hang on the best you can, you have good stuff to fight for, just not with any bears.  Hopefully this nightmare ends as abruptly as it began Hopefully that's sooner than we expect too.

[M_Smart007]

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@Anonymous wrote:

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@Jnbmom wrote:

Well I mistakenly timed it wrong or did it really matter 😕

Tried at 61 days was no go, I put down wrong month on my spreadsheet , should have triple checked that anyway got denial letter, first  2 reason obvious third reason YEAH right .

Inquiries - guilty as charged

Time with Amex - same 

And this is the kicker and I quote 

"The number of credit card accounts on which in OUR estimation, you have not paid a majority of the balance in recent months as indicated on your credit report"

I am at 2% utilization, I have 25+ accounts of which all but TWO I leave a balance as I am using BT offers .

I mean I know they are just reasons but come on lol.

Back to my corner 

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"The number of credit card accounts on which in OUR estimation, you have not paid a majority of the balance in recent months as indicated on your credit report"

AWESOME. That's one I haven't seen yet.  That's some internal Amex BS there...

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I agree on this ^^^^^^^

[K-in-Boston]

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@Jnbmom wrote:

I am at 2% utilization, I have 25+ accounts of which all but TWO I leave a balance as I am using BT offers .

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Sorry about your denial, but I have a question.  If utilization is such a tiny number, why not just have all of the BTs on one or two cards?  Even scoring wise probably better to have one or two cards at 10-30% than a few dozen at 2% average.