Amex 61 Day 3X coming up...

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iHackerSix
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Amex 61 Day 3X coming up...

Postby iHackerSix » Sun Feb 02, 2014 8:11 pm

So my Amex Delta Gold was opened on Dec. 04, 2013 with a tiny 1,000 limit and it appears my 61 days is up on Feb. 3, 2014 ... crossing my fingers, wish me luck guys! Also for comparison I have a CSP with a 14,000 limit and Discover IT with a 5,000 limit so I'm hoping going from 1,000 to 3,000 won't be an issue.


iHackerSix
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Postby iHackerSix » Mon Feb 03, 2014 1:07 pm

In case anyone's wondering:
Well looks like a big fat ??? I logged on this morning, requested the full 3X, waited and got: " This request requires further review. You will receive written notice of our decision within 14 days..." Now I'm paraphrasing but that's the jist. So, I'm assuming it's a DENIAL. Oh well, I tried, now back to my awesome 1,000 limit Amex.

MemberSince99
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Postby MemberSince99 » Mon Feb 03, 2014 4:50 pm

Could be just under review. An instant denial would be what I got for "Your previous account(s) indicate delinquency". Of course I got the 14 day notice but then immediately got the email to check so I would guess it just need a review and could go either way. You can always call in and recon it as well if it is a denial.

iHackerSix
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Postby iHackerSix » Mon Feb 03, 2014 5:45 pm

Well Member I'm not sure if you remember when I first got my Amex and I posted about it being in pending status for like 5 days! So, it seems that I've been borderline with Amex since day 1.

websteth
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Postby websteth » Mon Feb 03, 2014 6:51 pm

I requested an increase on one of my cards with a CL and I got that same message and then a nice note that said if I wanted the extra increase I had to send in Tax forms otherwise I could just ignore the letter and keep the limit I had.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
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iHackerSix
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Postby iHackerSix » Mon Feb 03, 2014 7:28 pm

websteth wrote:I requested an increase on one of my cards with a CL and I got that same message and then a nice note that said if I wanted the extra increase I had to send in Tax forms otherwise I could just ignore the letter and keep the limit I had.


Well I don't have anything to hide but there's no way I'm sending in anything for a lousy 2,000 increase. I have 14K on my CSP available, and I didn't have to send in my first born so if that's Amex's stand then I'll keep my 1,000 limit for now. I'll simply shift my spend back to my CSP and Discover IT. We'll see how it plays out.

websteth
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Postby websteth » Mon Feb 03, 2014 7:32 pm

You should be fine. I was actually requesting more than I probably should have as I wanted to try and up that card to what my other ones were. I ended up just leaving at as it's not my primary card.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

takeshi
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Postby takeshi » Wed Feb 05, 2014 8:18 am

iHackerSix wrote:Well I don't have anything to hide but there's no way I'm sending in anything for a lousy 2,000 increase.

If you run into the 4506-T I'd say expect to run into in the future as well if you don't go through with it.

iHackerSix wrote:I didn't have to send in my first born

Apples and oranges.

iHackerSix
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Postby iHackerSix » Wed Feb 05, 2014 9:43 am

Apples and oranges.[/QUOTE]

Aren't they both credit cards based on various things besides my income? I understand repayment is important but that's assured by my pass behavior, hence the point of credit reports and credit scores as well as income, time at current position, etc, etc. The way I see it Amex is a little different so I agree somewhat with u when u say apples and oranges but not fully because they are still a creditor, not the second coming... Chase saw it fit to review my entire credit profile, scores, work info, and stated income as truth and not assume I was lying and gave me 14K, Discover agreed also and gave me 5K, as well as others throughout my life with limit's ranging from 1k to 20K. I know Amex has the right to "verify" so I'm not "angry" but still argue my point of them being just a creditor, nothing more, nothing less.

iHackerSix
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Postby iHackerSix » Wed Feb 05, 2014 9:44 am

takeshi wrote:If you run into the 4506-T I'd say expect to run into in the future as well if you don't go through with it.


Apples and oranges.


Aren't they both credit cards based on various things besides my income? I understand repayment is important but that's assured by my pass behavior, hence the point of credit reports and credit scores as well as income, time at current position, etc, etc. The way I see it Amex is a little different so I agree somewhat with u when u say apples and oranges but not fully because they are still a creditor, not the second coming... Chase saw it fit to review my entire credit profile, scores, work info, and stated income as truth and not assume I was lying and gave me 14K, Discover agreed also and gave me 5K, as well as others throughout my life with limit's ranging from 1k to 20K. I know Amex has the right to "verify" so I'm not "angry" but still argue my point of them being just a creditor, nothing more, nothing less.



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