So my DW opened her Hilton Honors Amex June 2021 and was given a $10,000 SL which she has used extensively ever since. We decided to request a 3x CLI this evening online and instantly was given the 7-14 days notice of a decision but then found a secure message on her account dated with today's date saying it was denied and the reasons: "Your account is canceled and no action can be taken unless it is reinstated"
The only thing we can think of is that she was an authorized user on her Mother's Amex and her mother recently went into a nursing home so in about August 2021 they chose to close that account.
So does that mean that we can never get a credit line increase because of that, doesn't seem to make sense?
@oorhett wrote:So my DW opened her Hilton Honors Amex June 2021 and was given a $10,000 SL which she has used extensively ever since. We decided to request a 3x CLI this evening online and instantly was given the 7-14 days notice of a decision but then found a secure message on her account dated with today's date saying it was denied and the reasons: "Your account is canceled and no action can be taken unless it is reinstated"
The only thing we can think of is that she was an authorized user on her Mother's Amex and her mother recently went into a nursing home so in about August 2021 they chose to close that account.
So does that mean that we can never get a credit line increase because of that, doesn't seem to make sense?
It makes no sense at all. She needs to get on the horn with Amex and straighten it out.
@oorhett wrote:So my DW opened her Hilton Honors Amex June 2021 and was given a $10,000 SL which she has used extensively ever since. We decided to request a 3x CLI this evening online and instantly was given the 7-14 days notice of a decision but then found a secure message on her account dated with today's date saying it was denied and the reasons: "Your account is canceled and no action can be taken unless it is reinstated"
The only thing we can think of is that she was an authorized user on her Mother's Amex and her mother recently went into a nursing home so in about August 2021 they chose to close that account.
So does that mean that we can never get a credit line increase because of that, doesn't seem to make sense?
No, an account she was merely an AU on shouldn't have any bearing on her own personal Amex. I would pull up all 3 reports on annualcreditreport.com right away and go over them with a fine tooth comb. Perhaps something spooked them in DW's file. And of course call Amex and try to get more info.
This sounds like she needs to call Amex directly to get some answers.
Was your DW included in your 2019 CH7 BK filing? If so that may have slipped through the cracks when Amex approved her back in June and they just now caught it and closed the account. If not and assuming she's PIF every month and not carrying a huge balance over every month. Then it sounds like something in her credit profile brought it on. When you have cards with Amex they run your credit every month and not only monitor your payments, usage and credit seeking profile with them but others as well. For sure she needs to reach out to them.
So my DW called Amex this morning turns out they are referring to her Amex that was included in her BK7 from 2001. With that, I guess we are lucky they gave us this one. I recall that I actually received the pre-approval and we just used that code for her application maybe this is a loophole. They sad they are going to investigate it hope they don't close this one on us.
@oorhett wrote:So my DW called Amex this morning turns out they are referring to her Amex that was included in her BK7 from 2001. With that, I guess we are lucky they gave us this one. I recall that I actually received the pre-approval and we just used that code for her application maybe this is a loophole. They sad they are going to investigate it hope they don't close this one on us.
I'm pretty sure that's a no-no. Offers I've seen usually have a disclaimer stating something like "this offer is non-transferable" or "only valid for the addressee" or similar. It may have slipped through their initial approval process, but perhaps caught up with you now.
@FinStar wrote:
@SoCalGardener wrote:
@oorhett wrote:So my DW called Amex this morning turns out they are referring to her Amex that was included in her BK7 from 2001. With that, I guess we are lucky they gave us this one. I recall that I actually received the pre-approval and we just used that code for her application maybe this is a loophole. They sad they are going to investigate it hope they don't close this one on us.
I'm pretty sure that's a no-no. Offers I've seen usually have a disclaimer stating something like "this offer is non-transferable" or "only valid for the addressee" or similar. It may have slipped through their initial approval process, but perhaps caught up with you now.
Actually, that assessment is not accurate @SoCalGardener.
Referrals can be exchanged between family and/or friends (as long as it's not a self-referral). If an AENB customer has a referral offer on their account, they can generate the referral invite to anyone they choose. The recipient would then receive the offer via email, for example, and they in turn can apply for their own account with said referral code.
I'm not sure if you are confusing the above with direct or targeted offer to a specific individual. In that specific situation, only the individual identified with the offer would be the eligible recipient.
But, it's unlikely that the OP's or DW's [referral] actions triggered the AA.
I'm not confused about anything, except I'm not seeing where the OP mentioned that this was a *referral* as opposed to a *pre-approved* offer which he received. I've never heard of a pre-approval for one person being transferable to someone else.