I was not aware you could try again in 61 days usually it is 90 days after your denial, so I would try again in a month in the meantime I guess
You can't technically get a CLI after a denial for 91 days but if the OP tried after 61 days after a previous denial (which would have been considered an early request, this attempt would technically be 120 or so days after the 'legitimate ' denial. An early request doesn't reset the clock so his previous request was probably denied for being too early and then they processed this one. Hope this makes sense.
Amex does not like carrying balances at all, even small ones. PIF for a few months, and keep the overall util under 10%, then you could try again.
Double check your Experian report, there's probably something on there that they dont like.
Amex does not like carrying balances at all, even small ones.
This has not been my experience. They like large payments, yes, but I have never known them to be too concerned with balances on revolvers or POT on charge cards even when I was carrying $30k+ with them. Granted, if you were carrying something like a $500 balance over the course of months they may feel you are unable to pay off even small balances.
OP, in your first post you mentioned that you were previously declined due to income. My assumption would be that AmEx is appreciative of your responsible use of the card and gave you a 5% CLI just to throw you a bone, but their underwriting is not comfortable extending you further credit due to income. They're not a lender that generally grants huge revolving lines compared to income.
dont feel bad cause you are not the only one that is stuck...I have a clean EXP report and a 753 but cant get a CLI. Only had 2 attempts so i'll just keep at it. I figure they will come around eventually. They wont keep me at $500 forever i figure.