Re: Refusing Amex CLI

Anonymous · ‎10-06-2016

Hey everyone,

It's been 180 days since I last requested a CLI from American Express and thought about hitting them up for more today. However, I recently refinanced my car 2 months ago and up until 3 days ago it showed both loan balances on my report. So depending on when Amex did their soft pull they could be seeing a loan balance of 54,000 instead of 22,000.

Now if I ask for a CLI and do not receive the amount I desire and refuse it. Can I ask again next month or would I have to wait 90 days?

Anonymous · ‎10-06-2016

Why not just wait until the loans update on your reports?

zerofire · ‎10-06-2016

American Express usually has up to date SP's or at least ones from at most 30 days back. If you want you can wait a month and request the CLI. I cannot imagine refusing a CLI counter offer but do as you please.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
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Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

Anonymous · ‎10-06-2016

@Anonymous wrote:
Why not just wait until the loans update on your reports?

Even if the loan updates on his reports, unless Amex SPs the OP they won't see the update.

I suggest waiting until Amex updates your FICO score on their site; once the score updates (which will probably be a nice gain BTW) you will know they have SPd you and that your CLI request will be going off of the most recent, better information.

Anonymous · ‎10-06-2016

@Anonymous wrote:
@Anonymous wrote:
Why not just wait until the loans update on your reports?
Even if the loan updates on his reports, unless Amex SPs the OP they won't see the update.

I suggest waiting until Amex updates your FICO score on their site; once the score updates (which will probably be a nice gain BTW) you will know they have SPd you and that your CLI request will be going off of the most recent, better information.

In the past, Amex has used older SPs for CLIs. Idk if it's different now they offer monthly EX scores. It's worth the wait especially if you get the CL you want/need.

NRB525 · ‎10-06-2016

Which card are you contemplating the CLI, and how much of a CLI do you have in mind?

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

newhis · ‎10-07-2016

If they deny your request, you need to wait 90 days for next try. Good luck.

Anonymous · ‎10-07-2016

What was your Ex score 30-45 days ago and what is it now? If it is 720 or more both times you should be ok for 3x the limit.

Refusing Amex CLI

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Refusing Amex CLI