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AMEX CLI with BK7 showing

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Regular Contributor

AMEX CLI with BK7 showing

Got a 5k CLI today (day 61) on the Amex ED with a 2010 BK7 on my reports. Just a data point for Amex as I’d read in previous threads that Amex denies CLI regardless of SL with a BK showing.  

Amex BCE $15k | Amex ED $15k | Amex BBP $9k | Amex Gold NPSL | US Bank Cash+ $8.5k | Golden 1 CU $10k | Lowe’s $10k | Cap1 QS $10.5k
Message 1 of 10
9 REPLIES 9
Community Leader
Senior Contributor

Re: AMEX CLI with BK7 showing


@Real_Name wrote:

Got a 5k CLI today (day 61) on the Amex ED with a 2010 BK7 on my reports. Just a data point for Amex as I’d read in previous threads that Amex denies CLI regardless of SL with a BK showing.  


I can second that as my BK13 is alive and well on my report and it hasn't hindered my ability to get anything from Amex.  If anything, they're one of the more generous of the lenders I do business with.

Message 2 of 10
Valued Contributor

Re: AMEX CLI with BK7 showing


@Real_Name wrote:

Got a 5k CLI today (day 61) on the Amex ED with a 2010 BK7 on my reports. Just a data point for Amex as I’d read in previous threads that Amex denies CLI regardless of SL with a BK showing.  


 

It has also been discussed in a lot of the Amex threads that the CLIs with BK7 reporting are all initiated by Amex via auto CLI and NOT via card holder/luv button requested CLIs. You didn’t mention in your post if it was auto or that you requested it.

At any rate, congratulations! That’s a pretty darn impressive CLI regardless! Smiley Happy

 

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 3 of 10
Regular Contributor

Re: AMEX CLI with BK7 showing

 


@JR_TX wrote:

@Real_Name wrote:

Got a 5k CLI today (day 61) on the Amex ED with a 2010 BK7 on my reports. Just a data point for Amex as I’d read in previous threads that Amex denies CLI regardless of SL with a BK showing.  


 

It has also been discussed in a lot of the Amex threads that the CLIs with BK7 reporting are all initiated by Amex via auto CLI and NOT via card holder/luv button requested CLIs. You didn’t mention in your post if it was auto or that you requested it.

At any rate, congratulations! That’s a pretty darn impressive CLI regardless! Smiley Happy

 


Yes it was a requested CLI at the usual 61 days.

Amex BCE $15k | Amex ED $15k | Amex BBP $9k | Amex Gold NPSL | US Bank Cash+ $8.5k | Golden 1 CU $10k | Lowe’s $10k | Cap1 QS $10.5k
Message 4 of 10
Valued Contributor

Re: AMEX CLI with BK7 showing

Even more impressive! I’ve read a ton of threads about Amex and I think your DP is the first one I’ve come across as far as CLI request being granted with BK7 still reporting.

Congrats again!

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 5 of 10
Contributor

Re: AMEX CLI with BK7 showing

I can’t get my scores above 700 or any card with Amex and I have no BK on my report. Gotta keep working I guess
6/21/2018 Fico 8: EQ 654 TU 673 EX 685
Message 6 of 10
Senior Contributor

Re: AMEX CLI with BK7 showing

Congrats on 3x CLI

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 10
Regular Contributor

Re: AMEX CLI with BK7 showing

I was denied a CLI a few months ago on day 61 due to BK reporting Smiley Sad

 

I've researched a few DPs and it seems like Amex only grants CLI if you're in the 7th year post BK.

 

I guess I'll try again in October 2018.









Les murs ont des oreilles .
Message 8 of 10
Valued Contributor

Re: AMEX CLI with BK7 showing


@Real_Name wrote:

Got a 5k CLI today (day 61) on the Amex ED with a 2010 BK7 on my reports. Just a data point for Amex as I’d read in previous threads that Amex denies CLI regardless of SL with a BK showing.  


Congrats! Smiley Happy

 

I  am not surprised. You cannot file for BK 7 again until 8 years after the first discharge. To lenders, if you default, you cannot have your debt expunged in BK for a while. They can keep calling you until they get paid back. Smiley Wink

 

Source: https://www.rjseo.com/blog/2014/may/how-long-do-i-have-to-wait-to-file-bankruptcy-ag/ 

 

 

Message 9 of 10
Community Leader
Senior Contributor

Re: AMEX CLI with BK7 showing

Congrats!

Mine was denied bc of BK which will start to fall off my credit reports Dec 18 to Apr 19 (with EE). I only tried for the increase twice last year. I have tried at all this year bc they let me go crazy with my Plat lol. 

 

Got some pruning to do... No more new cards!
Message 10 of 10
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