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I have had my AMEX Delta for 10 months now. SL was a measley $1K but with my scores at the time, I was just happy to get in. The mistake I made was thinking that the card had the potential to grow. I have requested a CLI four times, today being the last and every single request is met with the 7-10 message.
In my eyes, until they prove otherwise, AMEX sucks! I use the card each month, never carry a balance due to PIF each month but they still don't like me. Well as of today, the feeling is mutual. I know when I am not wanted and I refuse to hang around and be their punching bag. ![]()
Maybe wait for the 1 year mark? I don't know.
lol, you shouldn't be upset. It takes more for CLIs than just usage...scores, baddies, history etc.
You said you tried CLIs four times in 10 months? Did you do at 60/90?
What are you scores? Any other baddies?
I started with the same Delta Gold card at $1k and never got an increase because i was rebuilding, and upset like you, i closed it. Now, my Delta Platinum is growing because my profile is cleaner.
@A1Creditwrote:I have had my AMEX Delta for 10 months now. SL was a measley $1K but with my scores at the time, I was just happy to get in. The mistake I made was thinking that the card had the potential to grow. I have requested a CLI four times, today being the last and every single request is met with the 7-10 message.
In my eyes, until the prove otherwise, AMEX sucks! I use the card each month, never carry a balance due to PIF each month but they still don't like me. Well as of today, the feeling is mutual. I know when I am not wanted and I refuse to hang around and be their punching bag.
What's your EX score now? That has a lot to do with it. I have to say amex is one of the easiest creditors to get an increase from.
Take a deep breath, relax and look at your score, account aging and total util to see if that is impacting your CLI.























@Anonymouswrote:lol, you shouldn't be upset. It takes more for CLIs than just usage...scores, baddies, history etc.
You said you tried CLIs four times in 10 months? Did you do at 60/90?
What are you scores? Any other baddies?
I started with the same Delta Gold card at $1k and never got an increase because i was rebuilding, and upset like you, i closed it. Now, my Delta Platinum is growing because my profile is cleaner.
LOL I know...I'm just talking crap and venting.
Yes, I have baddies and my EX at 665 is not all that great but I'm working on it. My baddies are 2 collections and lates that are about 5 years old.
Yeah that's what I was thinking but I think I requested the CLI today too soon since I don't think a full 30 days from my last request has passed. That's my error and not AMEX but still ![]()
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@Anonymouswrote:Maybe wait for the 1 year mark? I don't know.
@redpatwrote:
@A1Creditwrote:I have had my AMEX Delta for 10 months now. SL was a measley $1K but with my scores at the time, I was just happy to get in. The mistake I made was thinking that the card had the potential to grow. I have requested a CLI four times, today being the last and every single request is met with the 7-10 message.
In my eyes, until the prove otherwise, AMEX sucks! I use the card each month, never carry a balance due to PIF each month but they still don't like me. Well as of today, the feeling is mutual. I know when I am not wanted and I refuse to hang around and be their punching bag.
What's your EX score now? That has a lot to do with it. I have to say amex is one of the easiest creditors to get an increase from.
Take a deep breath, relax and look at your score, account aging and total util to see if that is impacting your CLI.
LOL I'm not upset but moreso frustrated but I do know that it takes time. I just come here to vent instead of punching a pillow LOL.
My EX score is low at 665 but I'm working each month to do what I gotta do to gain. Util is definately not an issue.
@Shadowfactorwrote:
680 EX seems to be a magic number with Amex in regards to CLI.
I understand the frustration but 10 months really isn’t all that long of a time in the credit world.
Keep up the good work and try to get your EX score above 680
Thank you for the encouragement and word of advice. ![]()
Sounds like your doing all the right things to raise your score. Use these 90 days to your advantage and work on clearing off/improving the baddies. Remember, the $1,000 SL seems to have the most trouble growing. So you're not the only one.
Before I tried CLI, I check to see what FICO score they have on file. If I know I have a better score, I wait it out knowing my patience will pay off. Hopefully this will help for you, too.