This is crazy what going on ????

[Anonymous]

Hi,

I have a Costco AMEX CARD  so i called them couple days ago to get limit incress, but they denide me for stupid reason and unaccurate info they go buy on th e credi report.

Well they denide me and today I went a head and applied for a new BLUE AMEX CARD and well, well they approved me after deniding the limit increase on my Costco Amex Card I am very very confuse and they approved me for even higher credit limit on the new card.

I was schocked to see that.

What you guys think ?

Thanks

[Anonymous]

Well it could also be due to the fact that as of next April the Costco AMEX won't exist anymore. But what do I know.

[Anonymous]

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@Anonymous wrote:
Well it could also be due to the fact that as of next April the Costco AMEX won't exist anymore. But what do I know.

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I think you're correct.

[fury1995]

Something changed between your last AR and the HP you took for the new app.

[willwar14]

Willing to bet they just want to retain you as a Amex cardmember in the case that they actually sell the TE portfolio to Citi..

[Anonymous]

No problem. You got what you wanted. A BCE card to replace your Costco one and a higher limit on your new card. In late March Citibank will match your current Costco Am Ex limit.

Two cards, good limits. Congrats.  

[Anonymous]

Not sure if that's the case. Just got a double CLI on my Costco Amex last week.

[Anonymous]

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@Anonymous wrote:
Well it could also be due to the fact that as of next April the Costco AMEX won't exist anymore. But what do I know.

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+1

I was thinking the same thing.

[Anonymous]

Congrats on the approval!

[fury1995]

I'll restate what I said above..

Amex CLI requests are based on their last account review.

New apps are based on a new hard pull.

Something in the OP's profile changed/improved between the last account review. That previous account review / soft pull is what was used when the credit line increase request and subsequent decision was made. The new application (which resulted in a positive outcome) was based on a new hard inquiry and current report.