AMEX CLI

[takeshi74]

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@Anonymous wrote:

Just wondered what to expect from the call.

No way for us to know.  We're not AmEx.  Any number of things could lead to that.

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@Anonymous wrote:
Uh oh... It's usually a bad idea to request an Amex cli before your 60 day mark. If they decline you, you're screwed for 90 days.

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As stated above the 60 days is gone.  90 and 180 are still in place.  Even if 60 was in place, if one jumped the gun one could request after the time period lapsed.

As for denials, a denial would be because of something in one's credit profile.  Don't just assume that the issue(s) that led to a denial disappears after X (with X< 90) days.  If one is "screwed" it's not from making the request and having to wait 90 days.  It's because of the issue(s) in the credit profile that need to be addressed.

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@Anonymous wrote:

CLI denied!

Use the denial reason(s) as a starting point on what to work on.  Don't just rely on the passage of time.

[Anonymous]

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@takeshi74 wrote:

Use the denial reason(s) as a starting point on what to work on.  Don't just rely on the passage of time.

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Low to mid-700s FICO, the only thing I ever see as denial reasons is AAoA and HPs, so the ONLY thing that will fix that is the passage of time.

I don't know the actual reasons yet.  Waiting on the letter.

[boober]

is there a way to look up when the last time you requested a CLI was? So that way you'll know when your 90 days is up?

I'm not sure when the last time I asked for a CLI was on either of my cards.

[myjourney]

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@boober wrote:

is there a way to look up when the last time you requested a CLI was? So that way you'll know when your 90 days is up?

I'm not sure when the last time I asked for a CLI was on either of my cards.

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Nope 

The only way is to back track statements and see when limit changed....rough estimate tho it may jog your memory 

I use a spreadsheet and list dates of all CLI's under each card that way I know the precise date 

[Anonymous]

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@myjourney wrote:

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@boober wrote:

is there a way to look up when the last time you requested a CLI was? So that way you'll know when your 90 days is up?

I'm not sure when the last time I asked for a CLI was on either of my cards.

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Nope 

The only way is to back track statements and see when limit changed....rough estimate tho it may jog your memory 

I use a spreadsheet and list dates of all CLI's under each card that way I know the precise date 

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That's what I've started doing, a spreadsheet.  I also note 90/180 days in my Daytimer, so I know when I'm due to try again,

[Jaybone2]

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@Anonymous wrote:

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@Anonymous wrote:
Uh oh... It's usually a bad idea to request an Amex cli before your 60 day mark. If they decline you, you're screwed for 90 days.

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The 61 day rule no longer applies. Many people get CLI's as soon as activation of the card.

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I recently applied for a CLI with amex. Account was about 40 days old. Got the 5-7 day message,then an email to call, when I called they said declined and US mail would explain why.

When the mail came it only had one reason for denial " account has not been open 60 days"

So I think like most things it is a YMMV.

2 things I noted also about this 1. No hard or soft pull

                                                        2. the envelope came addressed from the new accounts division

[Anonymous]

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@boober wrote:

is there a way to look up when the last time you requested a CLI was? So that way you'll know when your 90 days is up?

I'm not sure when the last time I asked for a CLI was on either of my cards.

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I  forgot to write down the date when I got my first one so I called and asked. The CSR gave me the exact date I could call back. 

[Anonymous]

Finally got my letter today. The only reason for denial was that the account was not open for 60 days, so it appears to be hit or miss with that rule.

Just curious why they asked me to call, only to be told I was denied, and that I wouldn't be able to find out why until I received the letter.

[Anonymous]

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@Anonymous wrote:

Finally got my letter today. The only reason for denial was that the account was not open for 60 days, so it appears to be hit or miss with that rule.

Just curious why they asked me to call, only to be told I was denied, and that I wouldn't be able to find out why until I received the letter.

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Interesting. That's two - and the only - examples we've seen of this denial reason. I wonder if they have now gone back to the 61 day rule?

[UncleB]

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@boober wrote:

is there a way to look up when the last time you requested a CLI was? So that way you'll know when your 90 days is up?

I'm not sure when the last time I asked for a CLI was on either of my cards.

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The way I tell with Amex is that each time I try for a CLI (so far all denials) they immediatly send me an email.  I keep those messages, and then when I know I'm getting close to 90 days I can go back and look up the exact day.

To calculate 90 days, I use the following site:

http://www.timeanddate.com/date/dateadd.html

Using the tool on the website factors in the exact number of days in each month (28, 29, 30, or 31).