Requested AMEX 3X CLI @ 183 Days...

[DoroLucky]

which would bring my limit to $27,000 and received the dreaded 7-10 days message

Hmmmm is it posible that I hit the button too early? I was last granted a CLI on 3-15-16 and opened 2 new Amex accounts on 3-16-16. I had my counter set for 9-15-16 but when I calculated the days (using a tool online), it put September 11 @ 180 days and today @ 183 days, so I went for it and got 7-10 days

FYI my AMEX fico was about 715 back in March today it's 694. Could this be why???

What now?

[Chickenpotpie]

Wait.  Or call.  It may not be all bad news.  Sometimes it may depend on what you're asking for CLI wise versus what your scores are.  Of course they could ask you to also verify your income too.

[DoroLucky]

Thanks! I did think about income verification (thought it would be instant) because a 3X increase would put me at $27,000.

Which number can I call?

[austinguy907]

7-10 day message isn't standard for a CLI.  Usually this would be a denial as if you hit the button too early or they just don't feel comfortable with raising it at this time.  As to the income 4506 request it usually sends you to a screen where you hit continue or later as the options and if you continue you just fill it out online and Docusign the form and submit.  I'm thinking maybe the new account might have reset the dates or something along those lines but, should be valuable information once you get the document from them.

[Gmood1]

Doro, the 7 to 10 normally means you're not eligible yet. Mine wasn't exact on the day either. I waited a few more days and tried again. That time a 4506 request showed up. I just backed out and lowered the amount until it turned into a instant approval. Unless you're completely maxed out with them. The 4506 is a indication that you have a potential CLI waiting.

[DoroLucky]

@Gmood didn't realize I could try again in a few days. Thought I'd have to wait 90 days.

Maybe I did hit the button too soon. Will try again soon.

Thanks everyone for responding😀

[Gmood1]

You could hit that button everyday if you want to. It doesn't affect anything.
As soon as your account becomes eligible, you'll get that CLI.

[DoroLucky]

Was there ever a time one had to wait 90 days between requests?

[Gmood1]

Except for the first one, mine have been 180ish days like clockwork.

[DoroLucky]

Got it! I feel much better now. Will give it a go by Friday 😀