Attempted a CLI today

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Centurion Member
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Thu Jan 02, 2014 4:14 pm

I too, feel your pain Member... my 61 day request on my BCE was rejected as well(haven't got the reason in the mail yet, but the automated system said something about my "risk score"). Adding insult to injury, I also got rejected for the Delta Gold card a few days after that. No worries, I just closed my Amex green card- they'll never get an annual fee payment from me. Ironically, the green card was authorized to charge up to $8000 yet they couldn't give me a $2000 increase on the BCE or approve the Delta Gold card?

I'm starting to come around to your way of thinking, Member. I don't care if I get 3% back on groceries from the BCE card- I'd rather give the swipe to the DuckCard or Barclaycard even if it means only getting 2% instead of three. Those lenders who show they trust me get rewarded with swipes. Those who don't (like Amex) find a nice spot for their cards between the tube socks and my BVD's. I also closed my Cap One card with the toy limit. let them be a conservative lender with the people at FICO with 69 Comenity Cards... I'm done wiith them.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Centurion Member
Centurion Member
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Thu Jan 02, 2014 4:27 pm

I'm sorry they declined you twice like that. I would say maybe in your case if you get them a bit of time they would come around. Clearly in my case when they cite the "previous delinquency" it's not a matter of internal risk score but the fact I burned them but I think with time at least you could lower that internal risk score and get what you would like.

But I do hear you and certainly do understand giving the swipes to lenders who seem to want your business. And I can agree about Crap One if it's not suiting your current needs and profile and they refuse to show any inclination to do so.

Me, I don't plan to close the revolvers, mostly to be honest just due to backdating - if the cards weren't backdated, I likely would just move on, though I would keep the charge card. The two revolvers are not currently in my wallet they are literally on top of the sock drawer. But I have no intention of closing them in the near future despite it looking like they are locked at 2k for all eternity due to the backdating I like the effect on my score enough to PC them to the no-fee version and make a small purchase every 6 months or so to keep them active. That is for me, not for Amex. I'm not at all bitter though; I did burn them and hence, I can't blame them, though I burned Chase for way more and they gave me a higher starting limit than the two Amex revolvers combined. But Amex is a lender with a long blacklisting memory, and some don't get off that list even after decades on it, and it's honestly hard for me to blame them. They have to do what they feel is best for their business, and I have to do what I feel is best for me.

Maybe one day they'll loosen up, but in the meantime I'm going to concentrate the swipes on lenders who the relationship is not soured with. Just makes sense.

Hopefully over time they loosen up a bit with you too.

CC Deville
Centurion Member
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Posts: 1069
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Thu Jan 02, 2014 6:25 pm

"Garden: Charlie Brown Xmas Tree (Seedling) I am currently gardening until 2014!"

LOL I just noticed this. They are a bit garden crazy at MyFico aren't they?

Centurion Member
Centurion Member
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Thu Jan 02, 2014 6:29 pm

Just a bit :D I put that I was gardening until 2014 on there on Dec 31st as the ultimate joke, or at least I thought it was funny!

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