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I messed up my amex 3x cli..

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Anonymous
Not applicable

Re: I messed up my amex 3x cli..

I'll give my recent experience, as I just did this last month. I tried two days early from the 61 days and I was denied. I called AMEX and the guy told me I tried too early and to try again (he gave me the specific date). The date he gave me was 62 days after my account had been created. I tried again then (like 3 days later), and I get 3x CLI approved on the spot.

Message 11 of 16
austinguy907
Valued Contributor

Re: I messed up my amex 3x cli..


@glamchick wrote:

Would the 91 days start from the iniital reqest in August?  Or does the 91 days start over again since I requested in October?

 

Thanks!


91 days from the date you activated it since it was a denial at that time.  I did the same thing and it's not 6 months.  The 6 month rule is for approved CLI's.

Message 12 of 16
glamchick
Established Contributor

Re: I messed up my amex 3x cli..

Thank you!  I will contact them just in case to see what the date is I can request.

Gardening since 5/3/2016
Message 13 of 16
NRB525
Super Contributor

Re: I messed up my amex 3x cli..


@glamchick wrote:

Thank you!  I will contact them just in case to see what the date is I can request.


Be very careful about what date you use. There are folks on here who report continuing to try for an AMEX CLI, trying again within the 91 days, and re-starting the denial wait clock again. Multiple times.

 

I would tend to think your recent request may have re-started the clock for 91 days, but hopefully AMEX can confirm for you.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 14 of 16
Anonymous
Not applicable

Re: I messed up my amex 3x cli..


@glamchick wrote:

So i read on here some people were able to get a cli upon activation. So i tried and they said nope.  So i tried for my 3x cli on the 61st from reciving the card. They said nope because i already applied when i got the card...so do i wait another 91 days?


I did the exact same thing. I decided to play it safe and counted 91 days from the 2nd denial. It was hard, because I read here that you can try at 91 days after being denied at 61 days. I am glad I waited, I got the 3x increase, no problem. That's my expierence. Good luck to youSmiley Happy

Message 15 of 16
austinguy907
Valued Contributor

Re: I messed up my amex 3x cli..

The 91 day clock doesn't reset if you try again early.  Just wait until the right date and try again and it works just fine instead of waiting another 90 days.  Been there, done that.

Message 16 of 16
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