AMEX CLI experience

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supercoolman
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AMEX CLI experience

Postby supercoolman » Thu Oct 23, 2014 12:16 am

I was happy when got my first AMEX CC back in June to start a relationship with AMEX. I submitted CLI request right on the 61 day, but got the 7-10 day message. someone from AMEX called me two weeks later to talk about the progress of the request and said she will get back to me no later than end of that week. However, I had never hear anything back from AMEX and had forgot about it.

After two months, I decided to call this week to check the status and found out that my request has been sitting untouched in AMEX system since the day that AMEX person called me. I asked why a request can sit in their system for two months and no one did anything about it, but the AMEX person on the phone simply said request will have to go through the standard process and they can't check why a request can be in AMEX system without anyone processing it for two months. Basically, offers no help and sounds like reading sentences from a script...

Btw, I called during US lunch time, and the AMEX rep sounded like a regular English speaker, so he probably was not from oversea.


so, this is the No1 AMEX customer service huh? I just got a taste of it and it was super bitter. With all the negatives I have had with AMEX and nothing positive, I guess I'll SD this AMEX CC

From my experience, this is the worse CC company ever


Berk
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Postby Berk » Thu Oct 23, 2014 8:07 am

Wow! And I have had nothing but a great experience with AMEX. I'd call and talk to another CSR today and see what is going on. I don't believe what you experienced is the norm at all. They pride themselves on their customer service.
Fico Scores 05/25/2015
Equifax 766
TransUnion 788
Experian 797

Over $140,000 in credit across 12 cards.

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lobbythis
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Postby lobbythis » Thu Oct 23, 2014 11:51 am

The problem is, supercoolman has dealt with multiple people now so it isn't just one representative being a dumbass. I agree, try to follow up with another rep, but still, you shouldn't have to chase stuff down just because people don't know how to do their job on top of letting his CLI request sit for 2 months.

Bad form for any company.

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Vattené
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Postby Vattené » Thu Oct 23, 2014 1:36 pm

That really is inexcusable. The least they could do is apologize for it and politely explain if no one follows up with it then it will sit there with no catch in place to prevent this.

What card do you have? I've heard Amex outsources the customer service on the less "prestigious" cards. The Platinums and PRGs may get top notch CSRs while for the BCEs it is of much lower quality, just as an example.
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

supercoolman
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Postby supercoolman » Thu Oct 23, 2014 10:59 pm

yup, I have BCE. Also with platinum offers in hand, but I know what to do with those platinum offers.

takeshi
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Postby takeshi » Mon Oct 27, 2014 9:12 am

supercoolman wrote:so, this is the No1 AMEX customer service huh?

As stated above, CS varies by product with AmEx. With any company CS can vary by CSR. Not excusing but I wouldn't rely on anything like "No 1 customer service" for those reasons.

supercoolman wrote:From my experience, this is the worse CC company ever

...and you can always find a negative anecdote for any company out there so one's experience doesn't really mean much either.

supercoolman
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Postby supercoolman » Mon Oct 27, 2014 9:43 am

takeshi wrote:As stated above, CS varies by product with AmEx. With any company CS can vary by CSR. Not excusing but I wouldn't rely on anything like "No 1 customer service" for those reasons.


...and you can always find a negative anecdote for any company out there so one's experience doesn't really mean much either.




3 calls and 5 online chats did nothing on the CLI request. I would think that's enough samples for me with this company. maybe I'm just having bad luck with AMEX

kzpa
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Postby kzpa » Mon Oct 27, 2014 1:02 pm

Odd that you had not one, but several bad experiences with their CSR (according to you).
I have always had good to great experiences (although not quite es as good as the Ritz Carlton JPM Premier Concierge) with their high end (plat.) and low end cards (green, bce.) CSR.

You having to chase stuff down with several reps over several weeks is not acceptable no matter which AMEX card (high end, low end) you own.

I hope everything gets resolved soon!
[size=80]Ritz-Carlton ~ Amex Gold Card ~ Amex BCE ~ CapOne Quicksilver ~ Citi DP[/size]

Cre
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Postby Cre » Fri Nov 07, 2014 4:26 pm

Is it possible to make these requests in writing, so that there is a correspondence trail, where the respondent on the AmEx side is on record, where proof can remain extant of lack of follow through?

How does one know that 61 days is the required waiting period for making a CLI request?

Are there other requirements (beyond simply credit in good standing) to making a CLI request?

If an AmEx charge card already requires payment in full every month, and you paid in full every month for at least four months now (61 days plus two months, according to your posts), what other factors would AmEx need to consider in order to raise your CLI? Presumably, you've already proven your ability to charge and pay on time responsibly.

I just opened a new AmEx card this week, and no where on the application did they ask me what kind of credit limit I was seeking. There was no provision to make the request. When the application was approved (online, instantaneously, scary) they granted me a 24K limit. Is it a good idea to request a CLI in 61 days?

One poster on this forum recently said that he/she requests that the card issuer REDUCE their credit limits. What is the beneficial strategy behind that? Maybe it is a good idea for the OP to leave the limit as it is, depending on why one would want to reduce the limit?

(Just trying to learn here).
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs

Nixon
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Postby Nixon » Fri Nov 07, 2014 4:37 pm

Cre wrote:Is it possible to make these requests in writing, so that there is a correspondence trail, where the respondent on the AmEx side is on record, where proof can remain extant of lack of follow through?

How does one know that 61 days is the required waiting period for making a CLI request?

Are there other requirements (beyond simply credit in good standing) to making a CLI request?

If an AmEx charge card already requires payment in full every month, and you paid in full every month for at least four months now (61 days plus two months, according to your posts), what other factors would AmEx need to consider in order to raise your CLI? Presumably, you've already proven your ability to charge and pay on time responsibly.

I just opened a new AmEx card this week, and no where on the application did they ask me what kind of credit limit I was seeking. There was no provision to make the request. When the application was approved (online, instantaneously, scary) they granted me a 24K limit. Is it a good idea to request a CLI in 61 days?

One poster on this forum recently said that he/she requests that the card issuer REDUCE their credit limits. What is the beneficial strategy behind that? Maybe it is a good idea for the OP to leave the limit as it is, depending on why one would want to reduce the limit?

(Just trying to learn here).


If your starting limit is $24,000, I'd get ready to submit a 4506-T for an Increase.
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