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The Definitive Amex 3X CLI Guide

Senior Contributor

Re: Weird Amex x3 CLI denial

Have you verified that the actual opening date for the account is July 27?


Anyway, there's no real reason to guess.  Go to Amex LOC Status Check and input the requested information and you should see a copy of the Notice of Adverse Action that will be mailed to you.  That notice should contain the specific reasons for the denial.  It should be noted that 61 day CLI is not automatic and it appears that a large percentage of people who request it are denied.

Message 4791 of 5,394
Valued Member

Re: Weird Amex x3 CLI denial

I asked Amex a few days ago about the opening date to make sure, and they confrimed July 27th.


The CSR was able to pull out the letter on his hand and told me the reason was I basically applied too soon, which is what surprized me. I did not get any mail from amex so I don't have the PCN to check on your link...

Message 4792 of 5,394
Senior Contributor

Re: Weird Amex x3 CLI denial

If you made an online request for the CLI, you should have received an email from Amex acknowledging the request.  The reference number in the email is the same as the PCN.

Message 4793 of 5,394
Valued Member

Re: Weird Amex x3 CLI denial

Was able finally to get the PCN, says request is pending without any additional info. Probably because they transfer my request for a manual review I guess ? 

Message 4794 of 5,394
Valued Member

Re: Weird Amex x3 CLI denial

Just had a CSR over the phone, said that the manual review had the same result : denied because the account was opened too early. She said to reapply in 90 days, but I read that when the denial reason was that the applicant was not yet eligible, you did not have to wait that amount of time. Should I wait for the letter or given the reason I was given over the phone should I just re-apply within a few days ?

Message 4795 of 5,394
Valued Contributor

Re: Weird Amex x3 CLI denial

Funny it was just a few years ago when CO was handing out cards with monster CL like candy.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 4796 of 5,394
Regular Contributor


Hi guys looking for some feed back . ' 

Whats safe to request with amex on EDP while having a CL of 20k . I know the 3x cl request which i did ask 6 mo ago and got but wanted to see how to stay under radar with them without any docs etc. 

Message 4797 of 5,394
Community Leader
Super Contributor


In the past $35k was considered the threshold for requiring POI. You can put in what you want and if they ask for POI, just back out and lower your number. Do this until they say OK. In the mail you’ll receive a letter regarding POI for each request that led to it - these can be ignored.

Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)

Message 4798 of 5,394
Super Contributor


Tell the truth on your income and request what you want

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 4799 of 5,394
Established Contributor


Mine started at $20k when I got my first Amex last month. I'm honest on my income numbers but I don't really want to suppy additional information. I'm thinking about asking a CLI to $35k next year and hoping it won't raise any alarms.

Message 4800 of 5,394
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