Amex 4506T

[takeshi]

Ok... well this is my knowledge on the subject. Anytime you request a credit line from Amex of 25k or higher, it is an instant 4506T.

No 4506-T when I requested a 25K limit. Did run into the 4506-T going from 31.9K total to 45K total.

 

and although they didn't request it

Better follow those 4506-T instructions to the letter. You can ask cv91915 or read the relevant thread.

Edited August 25, 2014 by takeshi

[hegemony]

about a month after sending a 4506t I made a request on another card for >25k and received the CLI and there was no new 4506t

[shifter]

after only a month?

 

I thought it was only one CLI per 6 months?

[hegemony]

after only a month?

 

I thought it was only one CLI per 6 months?

I was experimenting after a few glasses of merlot.

 

the request was to go from 25k to 35k (prior request was 18k to 50k IIRC). perhaps the 4506t set the internal max and I just had to ask?

[BeachDweller]

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

[nysbadmk8]

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

[Beachgal]

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

 

How things have changed with Barclay! I got a Juniper/Barclay card several years ago, perhaps a year post Junami. High teens line granted, no recon necessary. I already had over 100,000 in available credit, thick file, high scores, etc. Somewhere along the line, they revised the profile of their preferred customer.

 

These days, I shudder to think what Barclay would give me, if they deigned to give me anything!

[cv91915]

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

 

 

They just gave me $10k on a Sallie Mae card, and they wouldn't budge a nickel on recon. They didn't like how little I was using my other two Barclays cards.

[BeachDweller]

The insult about Barclays with me was they pulled Experian for some reason. For two solid years one witnessed their rejections pondering why they refused. Live and learn. Hate to think what they would say with more than 100K of credit.

[nysbadmk8]

The insult about Barclays with me was they pulled Experian for some reason. For two solid years one witnessed their rejections pondering why they refused. Live and learn. Hate to think what they would say with more than 100K of credit.

 

I can tell you what they think about someone with 300K... NOPE. I have two cards with them, 10K and 2K... I was trying to bump my sallie mae up to ONLY 7K... Took two hards trying to do it, Reconned it.. they had no desire to compete with BOA, Amex, Chase.

[Allisson0605]

Agree , if you are rebuilding with Barclay they are good and obviously will grow with you according to lots of folks ,for stronger profiles however I found it to be different, they seem to want and approve weak profiles and deny lines to people with lots of available credit and seasoned lines, I am sure they have their reasoning behind it.

My friend was just approved with a 670 / 53% Utility /17 inquiries /AAOA >2 years for two K

I had to recon a 7.5 K Biz Line and I am a Seasoned CW.

[nysbadmk8]

Agree , if you are rebuilding with Barclay they are good and obviously will grow with you according to lots of folks ,for stronger profiles however I found it to be different, they seem to want and approve weak profiles and deny lines to people with lots of available credit and seasoned lines, I am sure they have their reasoning behind it.

My friend was just approved with a 670 / 53% Utility /17 inquiries /AAOA >2 years for two K

I had to recon a 7.5 K Biz Line and I am a Seasoned CW.

 

Thats because *most* responsible people although less risky are "transactors" and not "revolvers" Barclays likes you allllll the way up to 50% UTL... then they get all besides themselves.

[mendelssohn]

 

 

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

How things have changed with Barclay! I got a Juniper/Barclay card several years ago, perhaps a year post Junami. High teens line granted, no recon necessary. I already had over 100,000 in available credit, thick file, high scores, etc. Somewhere along the line, they revised the profile of their preferred customer.

 

These days, I shudder to think what Barclay would give me, if they deigned to give me anything!

I can almost guarantee that they wouldn't give you $75,000, especially if you had a BK under a year old.

[PotO]

 

Agree , if you are rebuilding with Barclay they are good and obviously will grow with you according to lots of folks ,for stronger profiles however I found it to be different, they seem to want and approve weak profiles and deny lines to people with lots of available credit and seasoned lines, I am sure they have their reasoning behind it.

My friend was just approved with a 670 / 53% Utility /17 inquiries /AAOA >2 years for two K

I had to recon a 7.5 K Biz Line and I am a Seasoned CW.

 

Thats because *most* responsible people although less risky are "transactors" and not "revolvers" Barclays likes you allllll the way up to 50% UTL... then they get all besides themselves.

I second that motion. They like you to carry a balance, but not over 50% -- if even that. And they like you to pay it fast.

 

Funny thing is that they've always been good to me. They like to see you with a long history using their cards. Even then, they will probably never be my highest limit. I might be wrong, but I envision them maxing out at $20k or so per card.

[cv91915]

 

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

 

 

They just gave me $10k on a Sallie Mae card, and they wouldn't budge a nickel on recon. They didn't like how little I was using my other two Barclays cards.

 

 

 

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

 

 

They just gave me $10k on a Sallie Mae card, and they wouldn't budge a nickel on recon. They didn't like how little I was using my other two Barclays cards.

 

 

It seems that whenever there's a card that an issuer is promoting heavily, the approval standards are somewhat relaxed. I wonder what would happen if I applied for an Arrival+ card* just a week after they told me they wouldn't give me any more credit.

 

*For nearly everyone, this card becomes a bowl winder in year two.

[hdporter]

 

The insult about Barclays with me was they pulled Experian for some reason. For two solid years one witnessed their rejections pondering why they refused. Live and learn. Hate to think what they would say with more than 100K of credit.

 

I can tell you what they think about someone with 300K... NOPE. I have two cards with them, 10K and 2K... I was trying to bump my sallie mae up to ONLY 7K... Took two hards trying to do it, Reconned it.. they had no desire to compete with BOA, Amex, Chase.

 

 

So far, I'm still faring well with Barclays. Currently have $43k between 2 cards (approx $500k overall) and am still successful getting CLI's approx every 6-12 mo (hard pull each time).

[hegemony]

 

 

Heg has $100K. Prior to the BK falling off, I don't think Amex would give him a card.

 

I'm just curious how the only story I've ever heard of someone with a BK under 8 years getting an Amex has a BK less than a year old, and Barclays also gave a $75 K CC. Two lenders that are quirky for certain things, it just seems odd.

Well Amex is kind to me but there are no bankruptcy accounts in my file or ever for that matter. Barclays on the other hand refused me with 750+ credit (at that time) because they thought I had too much available credit (about 50K at that time). My income was mid six figures. Perhaps some places are just quirky about granting cards to specific people, perhaps they like others, or perhaps some folks have facts incorrectly stated....

I have this belief that barclays hates anyone that isn't a risk to carry a balance.

 

 

I have not carried a balance in almost 15 years, not even a 0% BT. barclays limits sum to more than 60k...

[hegemony]

 

The insult about Barclays with me was they pulled Experian for some reason. For two solid years one witnessed their rejections pondering why they refused. Live and learn. Hate to think what they would say with more than 100K of credit.

 

I can tell you what they think about someone with 300K... NOPE. I have two cards with them, 10K and 2K... I was trying to bump my sallie mae up to ONLY 7K... Took two hards trying to do it, Reconned it.. they had no desire to compete with BOA, Amex, Chase.

 

 

anecdote here with 7 figures in limits is barclays is very generous.

[CTSoxFan]

I have $40k on my Barc card, but they won't seem to go higher. I had a $25k card with them and then combined to get to $40k, but was declined for a card a few months ago (due to new accounts). I will probably try for a card in a couple of months and see what happens.

[IndyPoolPlayer]

Ok... well this is my knowledge on the subject. Anytime you request a credit line from Amex of 25k or higher, it is an instant 4506T.

 

My parents have been with Amex since 1983, have 10 different credit cards on their CR's with 50k lines or higher, and I would imagine my step dad's salary is somewhere around 500k a year. When my mom asked for a CLI to 35k, instant 4506T.

 

Also, I know nothing of Barclays... but as with everything credit related... YMMV.

 

Unless things changed, the 4506T threshold is $35K.

[nysbadmk8]

I need the UW you guys talk too.

[Allisson0605]

Those high limits with Barclays are due to growth, I doubt they shoot anything more than 10 K. Out the gate .

Everyone situation is different that has been my experience .

[mendelssohn]

Those high limits with Barclays are due to growth, I doubt they shoot anything more than 10 K. Out the gate .

Everyone situation is different that has been my experience .

You mean like an initial $50K CL that is increased to $75K with a BK less than a year old? See my point?

[PotO]

 

Those high limits with Barclays are due to growth, I doubt they shoot anything more than 10 K. Out the gate .

Everyone situation is different that has been my experience .

You mean like an initial $50K CL that is increased to $75K with a BK less than a year old? See my point?

Mendel, that scenario is impossible. You clearly forgot the decimal point between the two digits on each number. Clearly.

[shifter]

You mean like an initial $50K CL that is increased to $75K with a BK less than a year old? See my point?

actually he claimed it was initially $5k and then was increased to $75k.