Why does AMEX hate me so??

[iwazl71]

Okay, maybe hate is too strong of a word but can't seem to get any luv from them when it comes to CLI for my BCE. Tried the 61 day 3X cli, no go.  Waited another 90 days, tried again, no go.  Both times, they stated the scoring model with an emphasis on too many new accounts.  EX fico score is 764.  How long before I can get some luv???

[myjourney]

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@iwazl71 wrote:

Okay, maybe hate is too strong of a word but can't seem to get any luv from them when it comes to CLI for my BCE. Tried the 61 day 3X cli, no go.  Waited another 90 days, tried again, no go.  Both times, they stated the scoring model with an emphasis on too many new accounts.  EX fico score is 764.  How long before I can get some luv???

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@iwazl71 wrote:

Okay, maybe hate is too strong of a word but can't seem to get any luv from them when it comes to CLI for my BCE. Tried the 61 day 3X cli, no go.  Waited another 90 days, tried again, no go.  Both times, they stated the scoring model with an emphasis on too many new accounts.  EX fico score is 764.  How long before I can get some luv???

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Sounds like you need to increase your AAoA and cards 6 months 

[pizzadude]

What is your AAoA, and how many accounts have you opened within the last year or so ?

[iwazl71]

AAoA is 3.6 years EX 764 EQ 752 TU 799.  Have opened up 12 accounts in March......but I have a pretty thick file.....60 accounts..35 closed and 25 open.

[pizzadude]

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@iwazl71 wrote:

AAoA is 3.6 years EX 764 EQ 752 TU 799.  Have opened up 12 accounts in March......but I have a pretty thick file.....60 accounts..35 closed and 25 open.

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There's your answer.   Wait another ~6 months ( or longer ) and try again.

[myjourney]

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@pizzadude wrote:

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@iwazl71 wrote:

AAoA is 3.6 years EX 764 EQ 752 TU 799.  Have opened up 12 accounts in March......but I have a pretty thick file.....60 accounts..35 closed and 25 open.

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There's your answer.   Wait another ~6 months ( or longer ) and try again.

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+1 

12 its time to join the garden social/party going on right now

[enharu]

like pizza and myjourney said, I would recommend you wait another 6-18months.

Those inquiries you got from adding those 12 accounts aren't exactly helping either.

[Luscher]

would they grant a cli at 61 days if it i got one card a month before the amex but none since?

[enharu]

@luscher, if its just 1 card, you should be fine. Then again, its too hard to tell without looking at your overall profile. Best way to know is to try. Worst case scenario they decline you and you just have to wait another 90 days.

[09Lexie]

Even with a thick file, 12 accounts in 5 mos is alot. I'd wait until next April.