Chase AMEX credit card denials, how to get them and CLI for other cards

[JourneyArt]

My husband is rebuilding credit after filing for bankruptcy in 2020

He got some loans and credit cards (Cap One, Discover, NFCU, Upgrade (paid), recent Cap One Venture).

Had some late payments last year, but 11 months clean now. AU on a Chase Freedom ($30K).

Paid down cards to 15% utilization in Nov, got small CLIs from NFCU & Cap One.

Recently, he got Chase AMEX credit card denials, but approved for City platinum select ($10K).

we want higher limits for better mortgage/insurance rates.

NFCU only gave small increases after 2.5 years of good history.

Any advice on when to ask for CLIs again, and maybe to get the Chase and AMEX cards?

Current cards: Cap One QS ($3K), Plat ($500), Venture ($400), NFCU Plat ($2.5K), Cash Rewards ($3K), Discover ($4K), Upgrade (paid $1K), AMEX Delta ($4K), AMEX Plat (unlimited).

Any tips appreciated!

 

[SuperDan05]

Your husband is on a strong path to rebuilding his credit thats for sure. Given the prior late payments and recent denials, its most likely that lenders are still factoring in the credit history recovery period. For credit limit increases, it's advisable to wait at half a year between requests, maintaining utilization below 15% and avoiding new inquiries where possible. The Amex and Chase denials may be tied to most recent credit activity and residual risk indicators. Continuing to build a stable payment history, aging current accounts, and keeping balances low will be essential to improving approval odds and securing higher limits, which will, in turn, support better mortgage and insurance rates.. Good luck.

 

[c@rry_0ut]

hi @JourneyArt just want you to know that patience is key, the Amex and Chase denials aren't personal. those lenders are notoriously sensitive to a recent bankruptcy, even if it's been a few years.
It's a waiting game. Your approval for the Citi card is a huge win and shows you're on the right track. Continue with the good habits and those doors will open eventually