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Amex Denied

Contributor

Amex Denied

Tried a CLI with Amex BCE, it's been 120 days since my last increase. Got the 7-10 day notice, but received a decline e-mail within seconds. Still not sure why, unless it's because I received my platinum card within the last six months. Gave me a number to call, but I doubt it's worth it... got the platinum card in December. Could that be it?
CITI Prestige, WEMC (25k), Chase Sapphire Reserve, VI (32K), Amex EDP (25K), JPM Ritz Carlton, VI (20K), Amex Plat N/L, AAdvantage Aviator Red, WEMC (21k), Capital One Venture, WMC (10.5k)
Message 1 of 9
8 REPLIES 8
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Regular Contributor

Re: Amex Denied

I thought it's 180 days after an increase?
Message 2 of 9
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Valued Contributor

Re: Amex Denied

It is 180 after you get an increase.
Message 3 of 9
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Super Contributor

Re: Amex Denied

If they gave you a number to call, I'd still call.  At this time, it will be hard to figure out why you were denied without knowing much about your credit report, income etc..  So call them and see what they say.

 

Update the thread once you talk to them.

Message 4 of 9
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Moderator

Re: Amex Denied


@Kaylava wrote:
It is 180 after you get an increase.

Correct and if in fact they tried after 120 days then that's why they were denied.

Message 5 of 9
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Contributor

Re: Amex Denied


@Irish80 wrote:

@Kaylava wrote:
It is 180 after you get an increase.

Correct and if in fact they tried after 120 days then that's why they were denied.


Thanks. I will try again in 60 days. I will update once I recieve the letter in the mail.

CITI Prestige, WEMC (25k), Chase Sapphire Reserve, VI (32K), Amex EDP (25K), JPM Ritz Carlton, VI (20K), Amex Plat N/L, AAdvantage Aviator Red, WEMC (21k), Capital One Venture, WMC (10.5k)
Message 6 of 9
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Valued Contributor

Re: Amex Denied

They told me it was 90 days between denials.  61 days for your first cli and 6 months after that.  I have 4 Amex cards now.  Just got the Hilton Honors and gave it 1 month and got a denial.  Called and they said I have to wait the actual 61 days for it.  And then 6 months out on that.  I also got the 3x's on my BCP a couple months ago.  Not sure if that has anything to do with it?


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 7 of 9
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Frequent Contributor

Re: Amex Denied

I've never gotten a CLI with AmEx, but to my knowledge they take in account ALL your accounts. So no matter which one you get a CLI on, the time applies to the others too. It's like finding which card you have the best chance with. It's a hard game to play Smiley Very Happy

 

Does anyone know if the 61day is first CLI PERIOD or does it take in account the others too? I've had a AmEx Everyday since last year, but I'm waiting for 61 days with my SPG / Delta (going to choose the SPG).

[11 AMEX] 58.5k + NPSLs // [1 Cap One] 23.25k // [2 Discover] 15.9k // [2 Barclays] 10.15k // [3 Citi] 18.8k // [2 Chase] 24.5k // Amazon 6k
Starting FICO Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1.3k
Current FICO Scores: EQ 651, TU 660, EX 651 (04/05/20) w/ Total CLs of $169.1k
Owner of The Point Calculator. Calculate credit card rewards based on your spend, compare credit cards side-by-side, and search for the best cards based on spend.
Message 8 of 9
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Valued Contributor

Re: Amex Denied

Not enough time since last increase..like others thought it was 180 days but it's been so long since I ask for one they could have changed since then...
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