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AMEX CLI Denied.

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cutemarty1
Regular Contributor

AMEX CLI Denied.

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account Smiley Sad

 

Thanks. More power and more credit line increases to all! Smiley Happy

 

 

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 1 of 26
25 REPLIES 25
drsmith
Frequent Contributor

Re: AMEX CLI Denied.

I've been declined twice now

 

At least they initially matched my highest line at $7k 


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Message 2 of 26
Revelate
Moderator Emeritus

Re: AMEX CLI Denied.

From what I've read here, and if I remember correctly, you can request a CLI 61 days after opening.  I'd be stunned if it were a HP: you got kicked out before they even looked at your report most likely, and traditionally Amex CLI's are SP's anyway.

 




        
Message 3 of 26
Walt_K
Senior Contributor

Re: AMEX CLI Denied.


@cutemarty1 wrote:

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account Smiley Sad

 

Thanks. More power and more credit line increases to all! Smiley Happy

 

 



Doubt it was a hard pull.  Amex is usually (always?) a soft for CLI requests.

 

I also don't think it resets your clock, so you should be good to request again in a couple days.  This I'm not so sure about though. 

 

As for timing, it is no CLIs in first 60 days.  So you have to wait until day 61.  I think that counts from account activation.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 4 of 26
Jake0215
Frequent Contributor

Re: AMEX CLI Denied.


@cutemarty1 wrote:

Guys.

 

MY Amex Hilton was approved Feb 21.  IT arrived Feb 26. I activated it Feb 26.  Today, I applied a credit line increase throught the automated system by phone.  I was denied and told that AMEX only increases credit lines after 60 days.

 

Was I it by a hard pull by this one?   When is the exact time to ask for the CLI and thru phone?  I don't have the CLI button on my account Smiley Sad

 

Thanks. More power and more credit line increases to all! Smiley Happy

 

 


ya u have nothing to worry about... You just jumped the gun a bit. Try again in a week.

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


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Message 5 of 26
cs91
Regular Contributor

Re: AMEX CLI Denied.

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?

Message 6 of 26
cutemarty1
Regular Contributor

Re: AMEX CLI Denied.


@cs91 wrote:

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?


OMG. Smiley Surprised

 

Anyway, tried reading numerous AMEX CLI threads  -- one dude also jumped the gun and called again in a few days.

 

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 7 of 26
Link2k
Valued Member

Re: AMEX CLI Denied.


@cutemarty1 wrote:

@cs91 wrote:

I was talking to a CSR yesterday because I also pulled the trigger a day or so early on my Costco TU and she said I had to wait 6 months to ask again even though it was just a day early from the 60 days, but maybe she was mistaken?


OMG. Smiley Surprised

 

Anyway, tried reading numerous AMEX CLI threads  -- one dude also jumped the gun and called again in a few days.

 

Imma try to call them on April 26.... Crossing my fingers. I've been stuck with so low limits!


April 27.

 

61 days or you'll get the same response.

Message 8 of 26
cutemarty1
Regular Contributor

Re: AMEX CLI Denied.

Got it.  2 more days.... 

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 9 of 26
cutemarty1
Regular Contributor

Re: AMEX CLI Denied.

Just did automated today.  --> CLI Denied due to high risk score. Smiley Sad So when, is the next mark(date) for CLI guys? Am so sad today.

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
Message 10 of 26
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