lol well wonder no more! gf is in rebuild mode: expert level. ex @ 659 (was 535 in 1/17). income $850K. burned amex to the point of judgement and pif a few months ago. first amex 1986. was hoping the outcome would have been like chase where she has over $100K and all the cards because of a great internal score. apparerly not so much with amex. the 75K bgr was a snap, they will give chargers to anyone it seems. 15K ed was a denial, going to recon it when her scores pop up over 670 and she got a 20K blue + @ a whooping $2K, not sure what if anything can be done to up that limit. at least she is back in with amex and scored a few points in the process. credit is so random sometimes, it appears that scores lead the way with revolvers with amex far more than income. no clue on the hp front yet, going to let the dust settle but would be nice if all this was just a single hit
2 things i learned from this post, you can get back in with Amex, and i need a Suga Mama
@AverageJoesCredit wrote:
2 things i learned from this post, you can get back in with Amex, and i need a Suga Mama
@Anonymous, trust me her $ do not flow towards me @ all ha-ha. ok, maybe a marg once in a blue moon or a pizza. I burned and pifed amex as well and they let me back in so ya gotta pay up. re cli, is the 60 day, 90 day 6 month per account or per card? say she gets ed and I want to cli her biz blue+, how does it work - is personal and biz separate?
@AverageJoesCredit wrote:
2 things i learned from this post, you can get back in with Amex, and i need a Suga Mama
lmfaoooo I luv ya.... your comments sends me 🤣🤣🤣 all the time 😂😂😂
Lol, undrrstood OP, , but impressive all the same
I believe the cli policy is for entire account. So if you get a cli on 1 card, have to wait 6 months to try again on same card or other. Of course there are way more experts on Amex here than me especially business wise. Id imagine just getting back in is a huge plus and given a little time theyll warm up to ger again and open the coffers.
, but impressive all the sameI believe the cli policy is for entire account. So if you get a cli on 1 card, have to wait 6 months to try again on same card or other. Of course there are way more experts on Amex here than me especially business wise. Id imagine just getting back in is a huge plus and given a little time theyll warm up to ger again and open the coffers.
@bourgogne wrote:@Anonymous well wonder no more! gf is in rebuild mode: expert level. ex @ 659 (was 535 in 1/17). income $850K. burned amex to the point of judgement and pif a few months ago. first amex 1986. was hoping the outcome would have been like chase where she has over $100K and all the cards because of a great internal score. apparerly not so much with amex. the 75K bgr was a snap, they will give chargers to anyone it seems. 15K ed was a denial, going to recon it when her scores pop up over 670 and she got a 20K blue + @ a whooping $2K, not sure what if anything can be done to up that limit. at least she is back in with amex and scored a few points in the process. credit is so random sometimes, it appears that scores lead the way with revolvers with amex far more than income. no clue on the hp front yet, going to let the dust settle but would be nice if all this was just a single hit
Umm, not to be a "debbie downer" but both cards AMEX approved are business and they denied the personal...AMEX can be forgiving when it comes to the business side of the house.
That being said .. I am truly happy for her it's a great thing when they let you back in
Oh i could spend it, id just be back to where i am today tomorrow
@AverageJoesCredit wrote:
Lol, undrrstood OP,
I believe the cli policy is for entire account. So if you get a cli on 1 card, have to wait 6 months to try again on same card or other. Of course there are way more experts on Amex here than me especially business wise. Id imagine just getting back in is a huge plus and given a little time theyll warm up to ger again and open the coffers.
not to be dumb, late night but both biz and personal are considered one account? I guess they all show up on the same portal so its a yes. sucks they do cli like that. on the ed the lead reason was fico, I think if you had over 670 she might have had a shot. what can you do, I might send a email to the eo and see if they will give her a review, the normal csr route is someone limited, language barrier, etc. the card she got in 86' was a gold. spent $10K on it every month until it got burned in 2000. co was ~$15k I believe and judgement was settled for $10k. entry was removed from fico without asking and the others are due to fall off this month, need to check on that. her score took a aaoa hit of around 40 points when the card was removed, just shows what can happen when aaoa takes a hit. eventually she will snag a personal, I have no doubt. the girl was in the 500s in 1/17 and living on debits for 7 years, she is not doing too bad. getting a full spread with chase was huge, also got a cap1 qs for $10K and she burned and pifed them as well.