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Amex Everyday CLI...Finally!

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iamdetermined
Frequent Contributor

Amex Everyday CLI...Finally!

Hey everyone! I'm not currently app'ing for new credit, but growing CL's where possible with SP's. I just want to share my experience, in case anyone else has run into this issue.

I've had Amex ED card for 8 months with $1K CL, tried for CLI around 91+ days ...instant denial. No biggie, I had a lot going on with app'ing, new accounts etc. I had good padding, so I was okay with just sliding my foot in the door Smiley Happy

I tried again somewhere around the 6 month mark...denied again. Now I was aggy because I've been "good" with my credit handling since I started rebuilding, but I stayed strong...til now.

Fast forward, last night I was on the Amex app & tried Spending Power for kicks...entered $2500...countered with $2k. So I figured maybe I'm eligible for a CLI now...? I went online & of course I tried the 3x CLI to get to $3K (?why not $2k - may have been instant - Duh!). I got the 7-10 day message, called the # in the email immediately...automated system said I didn't have an app in the past 60 days..? Huh. Ok, so I applied again via phone. Denied! 7-10 day. Wait for letter. Now, I'm mad because I thought I kept resetting the request clock.

Today I hopped on chat, explained my error with submitting multiple apps & pleaded my case (low CL, can't spend, good credit behavior). The rep saw the app but it wasn't in process..? Long story short, re-apped - Denied AGAIN with same 7-10 day message.

I'm persistent at times, and gained a lot of patience, especially with credit. I didn't feel like it was time to throw in the towel just yet.

My final attempt for the next 90+ days was calling & pleading my case. I called the phone # on the back of my card. They weren't able to assist, but escalated my concern for manual review, which can take up to 48 hours. I forgot to ask if it would be a hard pull, or which CR they used. I just didn't feel a denial was reasonably justified by a robot or computer. A manual review was warranted because the denials always have an old credit score.

Just checked my app...$1K -->>> $3K Smiley Happy))

No HP alert
Fico 08 EX 674 TU 695 EQ 655
1 baddie from 2014
Util: 20% overall
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 1 of 5
4 REPLIES 4
simplynoir
Community Leader
Mega Contributor

Re: Amex Everyday CLI...Finally!

Happy to see your persistence paid off. Congrats!

Message 2 of 5
Anonymous
Not applicable

Re: Amex Everyday CLI...Finally!

You really were persistent. Congrats!

Message 3 of 5
iamdetermined
Frequent Contributor

Re: Amex Everyday CLI...Finally!

Thank you simplynoir! Smiley Happy
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 4 of 5
iamdetermined
Frequent Contributor

Re: Amex Everyday CLI...Finally!

Have to be sometimes to get what we want Smiley Wink Thank you, Treasurecredit!
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Citi $20k || Macy's $20K || Amex Cash Magnet $1.4k || CO QuickSilver $11,750 || Wells Fargo $9,500 || PayPal MC $8K || Amex ED $5,500 || USAA Pref. Cash Rewards $7.5K || Victoria’s Secret $5k || Discover IT $11.9k || Chase $12.5k || HFCU Plat. CC $2K || PenFed $500

*OVERALL CREDIT CARD LIMITS: $163,150*

NLOC $6K
US Alliance LOC $2K
Student Loans: $40k+

FICO 8 - 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8 - 8/27/18: EQ 684 - EX 696 - TU 713
FICO8 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8 4/30/23: EX 733
Message 5 of 5
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