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Continual Amex CLI Denial for 1.5 years (SL = 3500)

vikingred
Frequent Contributor

Continual Amex CLI Denial for 1.5 years (SL = 3500)

I got the Amex ED card in Nov 2014, SL=3500.  Also along the way, Platium, and Biz Gold, and many other cards.  Six figure income, all scores in mid 750s, other limits 45k, 30k, 24k, 17k.  Perfect credit.  Amex WILL NOT budge on that $3500 limit on that ED card.  I tried 3x on arrival, I waited, tried again, again, again, tried for 5500, denied every single time, rotating BS list of reasons.  Appeal decision every time.  DENIED.  I was even approved for a Delta Skymiles card, but NO CLI on the ED, no way.

 

Makes no sense to me at all.  Nice util on it each month.  PIF every account, every month, and I let them post so it shows on my bureaus.  Amex is ridiculous.  Chase, Cap1, Barclay, Fidelity, USBank, BofA, Synchrony, Citi, USAA, PenFed, and even Discover loves me (24k).  Why not Amex?

 

Sad state of affairs.  Cuesto non va bene!

Message 1 of 17
16 REPLIES 16
vikingred
Frequent Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

No comments?  Anyone else have this happen?

Message 2 of 17
Rowncole
Frequent Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

I was declined at my 181 dsy mark, definitely hoping it doesnt become a pattern, although i am at 15k already, i still want a lil luv like everyone else ...
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 3 of 17
trant3
Established Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

Sorry to hear about your issues with Amex, but this thread isnt appropriate under "approvals" board.


FICO EQ: 720 EX: 713 TU 721

Sofi $15k, Venmo Visa $2.7k, Apple $7k, Citi+ Rewards $12.8k, Citi Double Cash $13k, Citizens Bank Cash Plus $8k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $16k, Amex BCP $9.5k, Amex Hilton $10k, Chase Freedom $26.5k, NFCU Plat $43k, NFCU Cash $25.5k, Discover IT $27.5k, Discover Miles $10.5k, BECU Visa $14k, Wells Fargo Cash $6.3k, PenFed Promise $15k, PenFed Gold $20k

Message 4 of 17
Basspro2
Valued Member

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

Everytime I try...Really thinking of dumping it. Like they say if it has no use flush it.

Message 5 of 17
Costafitness
Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

What are the reasons their giving you?
Message 6 of 17
CreditMagic7
Super Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

I've often wondered and been kind of dismayed by that very thing.

 

Some lenders don't seem willing to budge for a moment in spite of superb stats with a CLI on an existing card in good standing but are more than willing to extend additional credit in the form of a new account(s) with them.

 

 

Message 7 of 17
MEKWT
Frequent Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

AMEX hates me for some reason. Ive been denied 5x by AMEX in the last year. Atleast you have other AMEX acounts. I would love to be in your situation with the ED card.

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 8 of 17
micheland30
Established Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

I tried my 3x on my 61st day on 05/28. They told me to go back to my corner. 😒 I was counting down the days from my approval, only to be shot down in seconds.
Message 9 of 17
RonM21
Valued Contributor

Re: Continual Amex CLI Denial for 1.5 years (SL = 3500)

I always say there sometimes never seems to be a true method into their decisions. When you read the threads, it can be all over the place. This is with anything, not just AMEX. It surely can be a frustrating guessing game at times.
                

Total CL: $306.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 10 of 17
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