They Unsecured your nRewards after only 5 months??!!??!!?? wow how'd you do that?
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Re: Official NFCU CLI Guide
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Re: SCT noob questions
LOL...trust me, I understand! I need to garden, but I have never had much of a green thumb... 
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Re: Official NFCU CLI Guide
No the secured was almost 3 years old. it was just unsecured in March.
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AmEx Recon
Hello Everyone,
I just had a quick question. I submitted an application for the AmEx green charge card on the 27th. I was declined that day but called in for a recon. The application status has been showing pending since then. The anticipation is killing me. Does anyone have experience with how much longer it might be? I would love to hear some stories of successful AmEx recons too. Anything to help pass the time while I wait to see what the answer is 
Just for reference I was approved for the fallowing cards during this app spree
Chase South West RR Visa 2k
Barclay Arival 2.5k
StateFarm Bank Rewards Visa 3k
Wellsfargo Propel AmEx 1k
Cap one CLI on Quick Silver One from $750 to $1750
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Re: The Definitive Amex 3X CLI Guide
Komp wrote:Do the 61 day rule only apply to specifically the card that is new?
I got approved for both a Delta Gold and SPG on the same day in March. I would guess this means that later on this month, I would have to pick one of those specifically? - it applies to your entire Amex account across all cards so yes you would have to pick one of the cards to apply for a CLI
My wife got a CLI of $10k last week on her SPG but just got a BCP today. Does that mean she will have to wait 61 days for the BCP or 180 days from the CLI she got last week for the BCP? - she will have to wait the 180 days from when she received the CLI on the BCP to ask for a CLI on either the SPG or another one on the BCP. The timetable rules applies across all cards.
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Re: The Definitive Amex 3X CLI Guide
slh0036 wrote:With the Costco Amex coming to an end, does anyone know how to transfer my credit limit from that card to my BCP?
You should ask this question in a different thread as this one has nothing to do with your question and you'll receive more answers in a thread deducted to your question.
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Re: The Definitive Amex 3X CLI Guide
fixedronin wrote:I was approved for my AMEX account on 11/10/2015, I received and activated the card on 11/13/2015 and was able to get a 2x CLI.
Based on the information in this thread, there is a chance that I may be able to obtain a 3x CLI 6 months after my first CLI, but I have 2 questions:
1. The 6 month clock started on 11/13/2015, correct?
2. Are my chances of receiving a 3x CLI low due to
a) hardly putting any real spend on this card? I did make large purchases ($1,000 and $1500)
b) currently having a balance of $1700/$2000? My closing date is 5/12 and hopefully by then the card balance will be $1500/$2000
Any input would be appreciated.
Thank you.
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Chase App Update
I Applied for a Southwest Visa April 20 had to send DL Utility bill for address verification I guess the processed the Documents just called status line. Went from 7-10 back to 2 weeks
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Re: AmEx Recon
Sorry to say you won't see many recon success stories unless something was wrong on CR's at time of app
It's very rare for Amex to overturn a denial
Usually it still comes at the price of another HP which makes the 2nd denial even worst
Hopefully your case is different ....Good luck
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Re: AmEx Recon
myjourney wrote:Sorry to say you won't see many recon success stories unless something was wrong on CR's at time of app
It's very rare for Amex to overturn a denial
Usually it still comes at the price of another HP which makes the 2nd denial even worst
Hopefully your case is different ....Good luck
Wow interesting, I didn't know that. I guess I will just have to wait and see. I should have waited a little longer for my application. My score has jumped about 20 points from the original application date due to new balances reporting. Hopefully that will be enough to work in my favor if they do pull another report.
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Re: AmEx Recon
LoboNation wrote:
myjourney wrote:Sorry to say you won't see many recon success stories unless something was wrong on CR's at time of app
It's very rare for Amex to overturn a denial
Usually it still comes at the price of another HP which makes the 2nd denial even worst
Hopefully your case is different ....Good luck
Wow interesting, I didn't know that. I guess I will just have to wait and see. I should have waited a little longer for my application. My score has jumped about 20 points from the original application date due to new balances reporting. Hopefully that will be enough to work in my favor if they do pull another report.
No doubt they'll pull again ....sorry just being honest
Do you know why it was denied 1st time ....due to scores, baddies etc etc?
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Re: Marvel App. Robo-Drama
I also applied for this and got the 7-10 day message, I then called and they did a verification of my info and then said they would let me know within 30 days. I'm assuming denied though.
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Re: Official NFCU CLI Guide
Thanks for posting the AR hit ! I just got an immediate increase from $15k to $17.5k.
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Re: AmEx Recon
Yes, no recons I know of. It's just an excuse to say no. Sorry. They do or don't right there unless they cannot verify all of your info. I can't say if they allow any baddies. I just figured they wanted a clean record. Hope I'm wrong.
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Re: Chase App Update
Sounds good! Anything but 7-10 is a good thing.
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Re: AmEx Recon
myjourney wrote:
LoboNation wrote:
myjourney wrote:Sorry to say you won't see many recon success stories unless something was wrong on CR's at time of app
It's very rare for Amex to overturn a denial
Usually it still comes at the price of another HP which makes the 2nd denial even worst
Hopefully your case is different ....Good luck
Wow interesting, I didn't know that. I guess I will just have to wait and see. I should have waited a little longer for my application. My score has jumped about 20 points from the original application date due to new balances reporting. Hopefully that will be enough to work in my favor if they do pull another report.
No doubt they'll pull again ....sorry just being honest
Do you know why it was denied 1st time ....due to scores, baddies etc etc?
I didn't get an official letter yet about the first denial. So I don't know for sure but I can tell you that I have 1 degro reporting on 2 CRA's and 2 reporting on the other. I recently paid all cards down to $0 balance and saw a huge point boost. I got a little excited and applied before all of the cards reported a $0 balance. The one baddie reporting on all 3 CRA's is a state tax lien for around 1k that was reported in October 2014 The other is a Sprint phone collection for $300.
Now I'm not sure if its scores or possibly AmEx just doesn't work with a lien reporting. I guess I will just have to wait and see.
Do you think it would be a good idea to give them a call and see if I can speak to a UW to see if I can plead my case?
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Re: Chase LAUGHED at me!!! (CLI Recon DENIED)
Congrats on what you did accomplish! And thanks for posting it! I'm thinking of taking my Chase Amazon and combining it with my Freedom and then turning that into a Chase Unlimited siggy. Thus eliminating another cc.
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Re: The Definitive Amex 3X CLI Guide
Irish80 wrote:
high-flyer wrote:
I received an auto CLI on 2/10/16 from $3k to $7k on my Delta Gold Amex. Do I still have to wait 6 months before requesting a 3X CLI? Thanks.No. Auto CLIs are not user requested so they don't reset the clock. You just need to wait 6 months adfter any CLI you requested and was approved.
Thanks very much! I'll give it a try.
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Re: Official NFCU CLI Guide
Yep. Looks like the AR has hit. Both my goRewards & cashRewards just went from $10,000 to $18,000. I'm cool with that. I requested $25,000 on each but got the counter.
Maybe I can get to $25,000 in July.
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Re: Official NFCU CLI Guide
Requested the 25k, counter offer of 8.5k! Love it, can't wait to see what happens in July, I'm holding off on CLOC until then since from what I've seen they seem stricter about giving it out. Thank you CA!
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