AMEX CLI 3 months instead of 6 lol

[Anonymous]

So I doubled my CL in late november. 

Early dec I asked csr if i could apply and to my surprise he put in an app for CLI for me.

I was denied because i was supposed to wait 6 months...

but the rule is that you have to only wait 3 months after denial......

csr now says that i only have to wait 3 months from my dec denial. what do you guys think?

[pizza1]

i think I never trust what a CSR says. Its pretty clear....91 days for the the 1st CLI, and then 6 mo after that for the 2nd.

[Anonymous]

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@pizza1 wrote:
i think I never trust what a CSR says. Its pretty clear....91 days for the the 1st CLI, and then 6 mo after that for the 2nd.

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But isn't it only 3 months after a denial? 

[pizza1]

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@Anonymous wrote:

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@pizza1 wrote:
i think I never trust what a CSR says. Its pretty clear....91 days for the the 1st CLI, and then 6 mo after that for the 2nd.

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But isn't it only 3 months after a denial? 

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if youre denied, youre denied. Doesnt matter when you reapply, but usually they say for better results give it 90-180 days after your denial. Even then, there is no gaurantee youll get it.  Like everything else, will depend on your overall profile at the time. You have acquired a lot of new accts lately with decent CL's, so, Id sit back for awhile and garden those. 

[FinStar]

Since you doubled your CL in less than 3 months, are you constantly hitting $10K in usage with your card?  Do you need higher than $10K?  If this is your Costco TE, keep in mind they *may* not grant CLIs on a variety of accounts given the upcoming change with the Citi Costco portfolio.

[pizza1]

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@FinStar wrote:

Since you doubled your CL in less than 3 months, are you constantly hitting $10K in usage with your card?  Do you need higher than $10K?  If this is your Costco TE, keep in mind they *may* not grant CLIs on a variety of accounts given the upcoming change with the Citi Costco portfolio.

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Good point Fin! 

[Anonymous]

The wait after a requested CLI denial is 90 days.  If you're approved for a CLI you have to wait 6 months.  In your case you have to wait 6 months after the CLI in November.  The December atttempt was denied because you werent eligible but it doesn't restart the clock.

[Anonymous]

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@Anonymous wrote:

The wait after a requested CLI denial is 90 days.  If you're approved for a CLI you have to wait 6 months.  In your case you have to wait 6 months after the CLI in November.  The December atttempt was denied because you werent eligible but it doesn't restart the clock.

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Ding ding ding. 

Exact answer I was looking for here.

Thanks for confirming the time frames and answering my question.

[Anonymous]

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@FinStar wrote:

Since you doubled your CL in less than 3 months, are you constantly hitting $10K in usage with your card?  Do you need higher than $10K?  If this is your Costco TE, keep in mind they *may* not grant CLIs on a variety of accounts given the upcoming change with the Citi Costco portfolio.

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Nope, just trying to get opinions on what the CSR said (in my situation), and confirm the time frames for AMEX. 

[pizza1]

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@Anonymous wrote:

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@Anonymous wrote:

The wait after a requested CLI denial is 90 days.  If you're approved for a CLI you have to wait 6 months.  In your case you have to wait 6 months after the CLI in November.  The December atttempt was denied because you werent eligible but it doesn't restart the clock.

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Ding ding ding. 

Exact answer I was looking for here.

Thanks for confirming the time frames and answering my question.

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ok, awesome, case closed!