Weird amex 61 day cli denial

[Anonymous]

Why would you call Amex?  You already know the standard period for applying for a CLI is 180 days.  If you're denied at 61 days, then you should wait 180 days to build your spend and payment history with Amex.  They wouldn't tell you anything differently; especially when your score at approval and your starting limit both point to a 180-day wait.

[Anonymous]

Maize, I have never heard of 180/181 days as being the standard for CLI request for a new account, there are however suggestions to wait longer than 61 days for boarder line approvals of $500/$1000 SL. Here are the timelines for Amex CLI as I understand it.

61 days after 1st new account opening

31 days after refusal of an offer

91 days after profile denial

181 days after acceptance of an offer

Denial for breaking above timelines does not reset the clock

In OP's case, he/she must wait 91 days after the denial on the 62nd day.

[Anonymous]

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@Anonymous wrote:

Maize, I have never heard of 180/181 days as being the standard for CLI request for a new account, there are however suggestions to wait longer than 61 days for boarder line approvals of $500/$1000 SL. Here are the timelines for Amex CLI as I understand it.

61 days after 1st new account opening

31 days after refusal of an offer

91 days after profile denial

181 days after acceptance of an offer

Denial for breaking above timelines does not reset the clock

In OP's case, he/she must wait 91 days after the denial on the 62nd day.

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I guess I should have said 180 days from approval date.  If you call Amex Customer Care they will err on the side of caution and say 180 days from approval date.

Also, there are lots of data points in these forums suggesting that approvals with EX scores (685???) approximate to the OP's, and $500 & $1000 starting limits invariably have to wait 180 days.  We know this to be true for those in "credit steps."  There's even a long thread somewhere around with many complaints from people with $1,000 SL that Amex "hates them" and wouldn't grant CLIs.  I'll see if I can find it if I have the time.

And of course 62 days + 91 days are 153 days; less than one month short of 180 days so we're roughly in the same timeframe anyway.

[Anonymous]

so i called earlier and they told me i had to wait 90 days from the date my card was issued? anyone ever heard of this?

[Anonymous]

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@Anonymous wrote:

so i called earlier and they told me i had to wait 90 days from the date my card was issued? 

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Whack. CSRs say the darndest things! Maybe there should be a thread?

[Anonymous]

CSR is wrong about 90 days, another CSR told a different user 6 months just a few weeks ago. At this point, I would count 91 days from your first denial and go from there.

[Anonymous]

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@Anonymous wrote:

so i called earlier and they told me i had to wait 90 days from the date my card was issued? anyone ever heard of this?

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That does not even make sense.  "90 days from the date my card was issued" would fall within the 30-day window after the first denial at 62 days so any request would be automatically declined anyway.

[Anonymous]

Here's the link to the thread I mentioned yesterday; it contains several datapoints regarding $1,000 starting limits and EX scores similar to the OP's:  $1000 Amex cards never getting CLI?