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Weird CLI Denial Reason From AMEX

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BrownSugah66
Regular Contributor

Re: Weird CLI Denial Reason From AMEX

Thank you @Brian_Earl_Spilner. I've played around with the "Check Spending Limit" feature for each of my 5 AMEX cards and was approved for $500 over the "limit" for each of them. However, for my Gold Card...I do see a new "Available To Spend" amount under my total balance. I've carried over a small balance on this card (paying only the minimum amount due) since August soooo....based on your feedback, this may be the reason why my revolvers are blocked from a CLI. Thank you for sharing your knowledge. Smiley Happy









Message 21 of 28
BrownSugah66
Regular Contributor

Re: Weird CLI Denial Reason From AMEX

@caramel25 ...Thank you so much for your reply! Yep....I think we've identified the issue with my revolvers as I allowed a small balance to carry over on my Gold Card since August. Sooooo, even though I paid the minimum amount (more on a couple of occasions) due and was never late...my Gold Card is now restricted to a certain limit. What a hard lesson learned! I see no reason to carry the revolvers anymore if AMEX will never allow them to grow. Time to pull some weeds from the "garden". Smiley Happy









Message 22 of 28
Brian_Earl_Spilner
Credit Mentor

Re: Weird CLI Denial Reason From AMEX


@BrownSugah66 wrote:
Thank you @Brian_Earl_Spilner. I've played around with the "Check Spending Limit" feature for each of my 5 AMEX cards and was approved for $500 over the "limit" for each of them. However, for my Gold Card...I do see a new "Available To Spend" amount under my total balance. I've carried over a small balance on this card (paying only the minimum amount due) since August soooo....based on your feedback, this may be the reason why my revolvers are blocked from a CLI. Thank you for sharing your knowledge. Smiley Happy

Glad to figure out the issue, sad about the hard limit on the gold. Good news is that eventually they'll remove it once you take care of whatever triggered it. It won't be right away, but eventually they will.

    
Message 23 of 28
BrownSugah66
Regular Contributor

Re: Weird CLI Denial Reason From AMEX

@notmyname... Thank you so much for your advice. I have to admit that I am still learning this credit game and appreciate all of the advice from "experienced gardeners" on this site. A goal of 760 score across the board....activated! Smiley Happy









Message 24 of 28
DONZI
Established Contributor

Re: Weird CLI Denial Reason From AMEX

So "Available To Spend" replaced the "No Preset Spending Limit" message?

Just thinking something like that might show for a POTL also.

 

2014 credit2020 credit2021 credit2023 credit
paypal credit imagecredit card imagecredit card imagecredit card imagecredit card imagecharge card imagecredit card imagecredit card imagecharge card imagecharge card image
[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]
Message 25 of 28
Times
New Contributor

Re: Weird CLI Denial Reason From AMEX

Did amex get back with you? curious whats your highest limit card with them and in general

Credit score: 785~ | Goal: 800~

Credit Cards:
Tomo Credit: $6k
Amex prime business: $34k
x1 $18k

Debit cards:
Cash app & Target red debit card

Goal cards:
Amex gold biz & Amex platinum personal

Dream card:
Amex black card
Message 26 of 28
BrownSugah66
Regular Contributor

Re: Weird CLI Denial Reason From AMEX

@Times ....No response/follow-up from AMEX yet. But, thanks to the awesome contributors on this site, I have a better understanding of what's going on. I've PIF'd all 5 of my AMEX cards and they are all nestled comfortably in my sock drawer. Smiley Happy









Message 27 of 28
engr892
Valued Member

Re: Weird CLI Denial Reason From AMEX

WOW!!!!!! NEVER SEEN THAT ONE

THAT SUCKS

Message 28 of 28
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