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Never Say Never Amex CLI

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Anonymous
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Never Say Never Amex CLI

Amex wouldn't do business with me for many years -- I might have stiffed them for a small amount a long time ago. I don't know. I did stiff others and for large amounts. Maybe that was reason enough for them to keep distance. Anyways ...

 

Shortly after joining here (and learning a few things) I got back in with Amex (July 2018). Here's a snapshot:

 

History: 

 

July 2018:           approved for BCE with a baby $500 SL. Multiple CLI denials followed.

January 2019:    auto BCE CLI of $500. Now $1000 CL

January 2019:    requested 3X on BCE, denied, got 0.

January 2019:    applied for Amex Hilton: approved for $1000 SL.

June 2019:         requested 3x on Hilton: approved for $1000 CLI (2x). Now $2000 CL

July 2019:           approved for business cc -- BB Plus $2000 SL

December 2019: requested 3x on Hilton: approved for $2000 CLI (2x). Now $4000 CL.

December 2019: approved for 2nd business cc -- BB Cash $9000 SL

 

Then it went dry. Every CLI request denied. I've read of others who got similar treatment, grew frustrated and closed their cards. I decided I would wait it out. 

 

Today I requested 3x on the Hilton -- instantly APPROVED. New CL is $12,000. Small potatoes for many. Small potatoes for me (compared to limits with other lenders). But a door that once felt firmly closed is now more than slightly ajar. I just might crack that baby wide open in 2021. Smiley Wink

 

Data Points:

SP online CLI

FICO Scores all 750'ish or better;

Inq: 2-3 scorable on TU/EQ; 6 on EX;

Income: 100+

No longer lol/24 -- now only 7!

Possible buried lede: I parked $7500 on the BB Cash via 0% BT offer. Only recently did I pay it to 0. There might be a correlation (for a LENDER it has been said Amex really disapproves of those who owe them money.) Smiley LOL

Message 1 of 17
16 REPLIES 16
AllZero
Mega Contributor

Re: Never Say Never Amex CLI

Congratulations on your CLI! Thank you for sharing the data points!
Message 2 of 17
M_Smart007
Legendary Contributor

Re: Never Say Never Amex CLI

@Anonymous, Congratulations on your Increase!!!

Message 3 of 17
Ficoproblems247
Valued Contributor

Re: Never Say Never Amex CLI

Well done! Glad that the door has been cracked open for you!





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 4 of 17
cashorcharge
Community Leader
Super Contributor

Re: Never Say Never Amex CLI

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 5 of 17
CreditAggie
Community Leader
Super Contributor

Re: Never Say Never Amex CLI

Congratulations on your Amex 3X CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 17
Jordan23ww
Valued Contributor

Re: Never Say Never Amex CLI

Congratulations on bouncing back with Amex and all your approvals and limit increases! 

      


Message 7 of 17
Mr_Mojo_Risin
Senior Contributor

Re: Never Say Never Amex CLI

Sweet post, you laid it out nicely.

Congrats on much success!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 8 of 17
mrcraft
Valued Contributor

Re: Never Say Never Amex CLI

Congratulations on your CLI!!



Message 9 of 17
kittycreditmeow
Frequent Contributor

Re: Never Say Never Amex CLI

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Message 10 of 17
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