Amex cli-partially approved

[Anonymous]

Requested to go from 2k to 4k to match a couple of my existing lines. The system came back with 2.6k which is definitely better than a denial.

Any thoughts on whether or not they may send me an ex fico in the mail, given that the request was only partially approved?

Thanks in advance

[Anonymous]

that surprising given your scores. Is there some negative on your file that's holding your limits back? or perhaps income? short history?

[Anonymous]

+1

[Anonymous]

Im currently in grad school and w2 income is only 13k, so coupled with the zync I'm probably hovering around my exposure limit. aaoa is about 3 years and no negatives so income is the main cause of the relatively low limit in my opinion.

I start work full time in the fall at a base salary of 55k so I will be asking for a full 3x cli (7.8k) from them in 6 months.

[Anonymous]

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@Anonymous wrote:
Requested to go from 2k to 4k to match a couple of my existing lines. The system came back with 2.6k which is definitely better than a denial.

Any thoughts on whether or not they may send me an ex fico in the mail, given that the request was only partially approved?

Thanks in advance

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Not sure if this is covered.  An issuer needs to send the score if they deny you a product, or don't give you the best rate (if the credit score played a role in their decision) but this sounds different, in the sense it isn't a formal application.   But don't know for sure.

When Amex didn't give me the full CLI I requested, they didn't give me a score, but gave two reasons (card too new, not enough spend) which aren't score based, so hard to tell if a score isn't needed in this case, or if it wasn't given because it didn't impact their decision.

[Anonymous]

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@Anonymous wrote:
Im currently in grad school and w2 income is only 13k, so coupled with the zync I'm probably hovering around my exposure limit. aaoa is about 3 years and no negatives so income is the main cause of the relatively low limit in my opinion.

I start work full time in the fall at a base salary of 55k so I will be asking for a full 3x cli (7.8k) from them in 6 months.

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Once you can start reporting that new income level, your limits will shoot up with a little effort. good luck with the 3xCLI.

[myjourney]

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@Anonymous wrote:
Requested to go from 2k to 4k to match a couple of my existing lines. The system came back with 2.6k which is definitely better than a denial.

Any thoughts on whether or not they may send me an ex fico in the mail, given that the request was only partially approved?

Thanks in advance

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1st Congrats 

I think as your income grows so will your AMEX

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Requested to go from 2k to 4k to match a couple of my existing lines. The system came back with 2.6k which is definitely better than a denial.

Any thoughts on whether or not they may send me an ex fico in the mail, given that the request was only partially approved?

Thanks in advance

---

Not sure if this is covered.  An issuer needs to send the score if they deny you a product, or don't give you the best rate (if the credit score played a role in their decision) but this sounds different, in the sense it isn't a formal application.   But don't know for sure.

When Amex didn't give me the full CLI I requested, they didn't give me a score, but gave two reasons (card too new, not enough spend) which aren't score based, so hard to tell if a score isn't needed in this case, or if it wasn't given because it didn't impact their decision.

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Thank you for the reply. Hopefully amex will include a score but given that they did not do so for you (in a similar scenario), it doesn't seem very likely. 

I will update either way if/when I recieve a letter.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Im currently in grad school and w2 income is only 13k, so coupled with the zync I'm probably hovering around my exposure limit. aaoa is about 3 years and no negatives so income is the main cause of the relatively low limit in my opinion.

I start work full time in the fall at a base salary of 55k so I will be asking for a full 3x cli (7.8k) from them in 6 months.

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Once you can start reporting that new income level, your limits will shoot up with a little effort. good luck with the 3xCLI.

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Thank you.

I will most likely be targeting cl's in the 7.5-10K range (maybe slightly higher) on my exisiting cards starting within the next few months. That was also part of my motivation to ask for a cli on my bce now.. so that a future 3x cli in the fall would put me in the aforementioned range rather than 6k.

[WarJar101]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Im currently in grad school and w2 income is only 13k, so coupled with the zync I'm probably hovering around my exposure limit. aaoa is about 3 years and no negatives so income is the main cause of the relatively low limit in my opinion.

I start work full time in the fall at a base salary of 55k so I will be asking for a full 3x cli (7.8k) from them in 6 months.

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Once you can start reporting that new income level, your limits will shoot up with a little effort. good luck with the 3xCLI.

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Thank you.

I will most likely be targeting cl's in the 7.5-10K range (maybe slightly higher) on my exisiting cards starting within the next few months. That was also part of my motivation to ask for a cli on my bce now.. so that a future 3x cli in the fall would put me in the aforementioned range rather than 6k.

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Congrats, I would like to also do the same myself. Did you by chance call an automated number for the CLI? Or tried it online? How long have you been a member of Amex? Thanks.