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Amex Gold charge approved following denied CLI

Valued Member

Amex Gold charge approved following denied CLI

This is a strange one for me.  I've been with AMEX for about 3 years now.  I have the BCP card with a starting limit of 10k.  I recently tried a CLI and was denied due to a erroneous collection account on my Experian Credit report.  It dropped my score down to 663.  Understandable that AMEX would deny a CLI at this time.  I got a welcome offor for the Gold AMEX card, I hit the apply tab just for giggles and VIOLA!  APPROVED.  Now all the AMEX cards have pre-approval status on them...... WTH?

Message 1 of 13
12 REPLIES
Valued Contributor

Re: Amex Gold charge approved following denied CLI

Congratulations on your approval! 

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 2 of 13
Valued Member

Re: Amex Gold charge approved following denied CLI

thank you. 

Message 3 of 13
Valued Member

Re: Amex Gold charge approved following denied CLI

Oh, forgot to mention the cherry on top.... it was a soft pull..... yay

Message 4 of 13
Established Contributor

Re: Amex Gold charge approved following denied CLI

Nice! Congrats on your new Amex Gold! Smiley Very Happy

Currently: Gardening

FICO 8 [01/2016]
FICO 8 [02/2019]
GOAL: FICO 8: 760 across the board by 2/2020!
Message 5 of 13
Frequent Contributor

Re: Amex Gold charge approved following denied CLI

Congrats on the approval. Great card for racking up points.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 6 of 13
Regular Contributor

Re: Amex Gold charge approved following denied CLI

Congrats on the approval. I'm upgrading my Green Card later this spring on my one year anniversary with AMEX and can't wait. 

 

That card has some great new benefits and not to mention that metal look is fantastic. 

 

Congrats! 




Jan of 2017 Credit Karma: 404
Sept of 2018: EX 652 EQ 626 TU 604
Total Credit Limit: $3000
Goal Score: 675 for all FICOS
Goal Card: AMEX GOLD (Upgrade offer May of 2019)
Message 7 of 13
Valued Contributor

Re: Amex Gold charge approved following denied CLI

Congrats on your CLI !!!!

 

 

1-2019 / Fico 8 EX 794 , EQ 801 , TR 802
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 8 of 13
Established Contributor

Re: Amex Gold charge approved following denied CLI

Congrats
Message 9 of 13
Established Member

Re: Amex Gold charge approved following denied CLI

I started a thread about getting denied for Amex EDC and a couple of weeks later I'm approved for all their cards.  I have the Cash Magnet card.  I don't get it either.  

Message 10 of 13