The Definitive Amex 3X CLI Guide

[NYFan63]

Does this method apply to the Fidelity Amex Card? Thanks!

[baller4life]

No that Amex is thru FIA/BOA.

[Anonymous]

Got the 7-10 day message on my $1,500 Delta Gold card In the 62 days since opening it, I have run about $3,000 through it and my EX score has gone up a few points with no new derogs. Oldest baddie is 2 years ago.

[baller4life]

Sorry to hear gib68sg. How's your util?

[Anonymous]

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@baller4life wrote:
Sorry to hear gib68sg. How's your util?

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Thanks haha, it's all good. How long do I have to wait to ask again, 30 days? My overall util is around 1%. I paid in full both months, allowing about $48 to report the 1st statement and $0 the 2nd.

[Anonymous]

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@Anonymous wrote:

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@baller4life wrote:
Sorry to hear gib68sg. How's your util?

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Thanks haha, it's all good. How long do I have to wait to ask again, 30 days? My overall util is around 1%. I paid in full both months, allowing about $48 to report the 1st statement and $0 the 2nd.

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90 days

[Anonymous]

7-10 days doesn't mean an automatic denial as many have said.

But if it is, the next one is 91 days

[Anonymous]

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@Anonymous wrote:
7-10 days doesn't mean an automatic denial as many have said.

But if it is, the next one is 91 days

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Gotcha, thanks everyone. I'll prepare for a denial letter, but hope for the best!

[taxi818]

Wow that's hard core. Hopefully you get it. 

[waynes1982]

So I got my denial letter for my 61 day increase

Reasons for denial:

1. Fico socre of 692

2. Length of time I've been an AMEX customer

3. Derogatory public record on file (bk from 2006)

4. Too many inquiries

So, my next question is do I have to wait 90 days or wait until the account is 90 days old?