cancel
Showing results for 
Search instead for 
Did you mean: 

Strange Amex CLI approval…

tag
Curious_George2
Valued Contributor

Re: Strange Amex CLI approval…

That is a strange sequence of events indeed. I find everything about it surprising. The IV request, the intial denial, the reason they gave for the denial, the fact that they gave an auto CLI shortly thereafter, and the relatively small amount of the auto CLI. 

I share your sense that a manual review might have been involved. Maybe your stratospheric credit score had something to do with that. 

Even so, I wouldn't worry about it. Let 'em look. Your profile is gorgeous!

 

Congrats all around, and thanks for sharing. 

Message 11 of 13
Tonya-E
Established Contributor

Re: Strange Amex CLI approval…

I have no idea but thanks! @Curious_George2. I am not so sure the credit score had anything to do with it, but who knows. After thinking about it, I'm figuring since I only asked for a small amount initially with the 5k, someone (or some algorithm) reviewed it after the decline and decided, "Well, it's not like they asked for much and it's a 10 year old account. We will throw a bone and add 1k to be nice." 😂 I've let the worry go after thinking on it.  If I did get chopped, I would just move on. It's silly to even worry about it. 

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


Take the myFICO Fitness Challenge
Message 12 of 13
FalconSteve
Valued Contributor

Re: Strange Amex CLI approval…

Congrats on your auto-CLI

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 13 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.