I went for my 61 day increase on my AMEX Delta Gold last month and was denied due to credit score but when they sent me the letter the credit score they had listed was old and lower than my current score at the time. I am coming up on my 91 day request and I would like to know what score date they are going to use. I had a drop in my EX score for a reason that I cannot determine but I recently had an increase for a reason I cannot determine again. The increase was not enough to overcome the lose I had but it puts me at 650. Do you think I have a chance and will it be based on my current score?
***Gardening 3/29/2018 until 9/25/2018***
The score of 650 is what I received on their webpage while logged into my account. Are you saying that my request will not be based on this score? Sorry if I don't quite understand you.
@Anonymous wrote:In my experience they base the CLI on the most recent EX report they have on file for you. This isn't always the score listed when you click View FICO Score on the right side of their card member page as it seems their system can take 3-4 days to get new monthly credit reports published to their web site.
@simplynoir wrote:
@A1Credit wrote:The score of 650 is what I received on their webpage while logged into my account. Are you saying that my request will not be based on this score? Sorry if I don't quite understand you.
@Anonymous wrote:In my experience they base the CLI on the most recent EX report they have on file for you. This isn't always the score listed when you click View FICO Score on the right side of their card member page as it seems their system can take 3-4 days to get new monthly credit reports published to their web site.
With new customers for whatever reason when determining CLIs they use scoring data that be up to 3 months old depending; it can even be the original score you applied with in some cases. Once you have some time to be settled with AMEX more or less whatever score they post when you view it on the dashboard is what they use give or take a month. Other factors they take into consideration is all internal such as usage, payment history, current limit at the time and so on. This all tied in to the internal risk score they get from all that data and from there the system determines your CLI if any.
That's interesting. I will say I think my internal usage has and payment history has been good. I have paid the card off every month with minimal spending since my SL was only $1000.
@Anonymous wrote:When I was initially approved for the AMEX BCE, my SL was also 1K just like you, my score dropped 31 pts. when the account got reported lowering my AAoA. When I went for my 61 day CLI, it was denied as well stating that it was due to my credit score. So, I gardened and increased my scores and was able to raise it back 29 points when I hit the CLI button and got my 3X CLI to 3K. That was 91 days post denial. So assuming nothing else on your reports have changed, and you have been paying your balances on time, I think you are likely to get approved for the limit increase, since AMEX would also decide based on their internal risk score.
Score upon approval: 742
Score during recent CLI request: 727
My scores are no where near as good as yours.
@simplynoir wrote:Assuming your internal risk score checklist is good then it will be dependent on your EX score like clark_d_shark said. If you can/want pull up your credit scores and check to see when was the last time AMEX did a SP on you. Could give you a better idea on whether to bite the bullet or wait it out a little longer before requesting.
Do you know when they are most likely to do a soft pull? Is it before or after the statement closes? My statement closes on the 13th. I can possibly do another CCT trial to see my pulls but I want to wait until I am almost sure of when they would do the soft pull so it will reflect on the report.