topic Re: Amex BCP 61 day CLI Score! in Credit Cards

Amex BCP 61 day CLI Score!

lrdwilder — Thu, 08 Mar 2012 18:21:57 GMT

So today was a great day in the CLI for me. I applied for AMEX BCP on Jan 2, 2012, received the card in the mail. Limit of 10k, then charged and PIF about every other week. Today I called and asked a rep first how long I have had my card to which they responded 66 days. I hung up and redialed the 800 number and went to the automated system. When the automated system asked how much I would like to request I put in the max amount it said it can automatically consider which was 25k. It asked for my income which I entered and it approved me in about 10 seconds and said the line would be availible in about 15 min.

One interesting thing is that I didnt get my card till about Jan 12, so it seems they date the 61 days from the date of approval. Though I have had an AMEX G MR for about 9 mos.

Myfico score of 704, util of about 9% total of all cards, oers income over 100k.

Amex Gold MR

Amex BCP - 25k

Cap1 Venture 5k (used for international travel)

Cap1 Platinum 1.2K

Chase Saphire - 6k

Discover More - 6k

Re: Amex BCP 61 day CLI Score!

dyv8914 — Thu, 08 Mar 2012 18:33:14 GMT

wow that's a crazy credit line congrats!!

Re: Amex BCP 61 day CLI Score!

lrdwilder — Thu, 08 Mar 2012 18:38:33 GMT

Thanks, I'm wondering when the FR will be coming! LOL I wouldnt care if it did but I'm fairly certain I can count on it now!

Re: Amex BCP 61 day CLI Score!

dyv8914 — Thu, 08 Mar 2012 18:42:07 GMT

haha yea I'd expect an FR too with that CL!

Re: Amex BCP 61 day CLI Score!

Vesey — Thu, 08 Mar 2012 19:35:25 GMT

I've been looking for the increase credit limit option on the website for a few days (got the card about the same time you did). After reading your post I called the toll free number and requested $6000. Approved!

I opened my first credit card about 13 years ago, and have only started applying for new ones in the last three months. I got a little carried away and now have a rewards card from every major bank. On the one hand my FICO has taken a hit from the new accounts and the 2-3 inquiries on each CR. On the other hand I've made $800 from cash back offers. Off to the garden for me... unless Citi keeps insisting on sending me the $350 offer on the ThankYou after $2500 of spending in 4 months..

My original card was a Citi Platinum Select Mastercard with a $7700 limit. I cancelled it shortly after getting the Chase Freedom in December, but after reading about FICO scoring I was able to have it reopened via their secure message center (calling didn't work), but with a CLD to $4100 and a hard pull (I asked to have $7700 reinstated).

EQ FICO was 805 before I applied (and approved) for PenFed last month. Yearly income: $18,000.

Citi 4.1K, Amazon Rewards Visa 5.4K, Discover 2K, PenFed Platinum Rewards 2K, Amex BCE 6K

Goal: 5K on each card by SP, no inquiries for the next 2 years, then buy a house.

Re: Amex BCP 61 day CLI Score!

pizzadude — Thu, 08 Mar 2012 21:44:12 GMT

Congrats on the massive CLI !!! AMEX seems to be in a giving mood lately. :)

Re: Amex BCP 61 day CLI Score!

MrShush — Thu, 08 Mar 2012 21:52:57 GMT

Nice job on the monster CLI!

Myself, I am waaay to apprehensive about asking for more with AMEX. Ihave 15 years history and currently have a Plat., Blue (10,000), and Delta Gold (7,000). I will be patient and see if the auto me.

Re: Amex BCP 61 day CLI Score!

LS2982 — Thu, 08 Mar 2012 22:09:14 GMT

lrdwilder wrote:
So today was a great day in the CLI for me. I applied for AMEX BCP on Jan 2, 2012, received the card in the mail. Limit of 10k, then charged and PIF about every other week. Today I called and asked a rep first how long I have had my card to which they responded 66 days. I hung up and redialed the 800 number and went to the automated system. When the automated system asked how much I would like to request I put in the max amount it said it can automatically consider which was 25k. It asked for my income which I entered and it approved me in about 10 seconds and said the line would be availible in about 15 min.

One interesting thing is that I didnt get my card till about Jan 12, so it seems they date the 61 days from the date of approval. Though I have had an AMEX G MR for about 9 mos.

Myfico score of 704, util of about 9% total of all cards, oers income over 100k.

Amex Gold MR
Amex BCP - 25k
Cap1 Venture 5k (used for international travel)
Cap1 Platinum 1.2K
Chase Saphire - 6k
Discover More - 6k

VERY NICE CONGRATS!!!

Re: Amex BCP 61 day CLI Score!

bichonmom — Thu, 08 Mar 2012 22:33:34 GMT

Congrats! Great CL! :)

Re: Amex BCP 61 day CLI Score!

bakalao2k — Thu, 08 Mar 2012 23:56:47 GMT

I'm afraid to poke the AMEX beast. I'm ok with my 12K limit.

Re: Amex BCP 61 day CLI Score!

boomhower — Fri, 09 Mar 2012 00:43:23 GMT

I wouldn't worry about an FR. It sounds as your income supports the CL. Congrats!

Re: Amex BCP 61 day CLI Score!

drkaje — Fri, 09 Mar 2012 02:47:38 GMT

Congrats!

I have to wait another 31 days, LOL!

Re: Amex BCP 61 day CLI Score!

clocktick — Fri, 09 Mar 2012 06:30:52 GMT

Nice, congrats! How much did you charge on your card monthly?

Re: Amex BCP 61 day CLI Score!

lrdwilder — Fri, 09 Mar 2012 21:47:27 GMT

I charged a total of about 4k over the 60 odd days......

Re: Amex BCP 61 day CLI Score!

FrugalRican — Fri, 09 Mar 2012 21:52:06 GMT

I'll poke the beast in about 60 days.

Re: Amex BCP 61 day CLI Score!

LS2982 — Fri, 09 Mar 2012 21:56:12 GMT

FrugalRican wrote:
I'll poke the beast in about 60 days.

Re: Amex BCP 61 day CLI Score!

FrugalRican — Fri, 09 Mar 2012 21:58:44 GMT

And now we've come full circle LOL

Well played.

Re: Amex BCP 61 day CLI Score!

dmbtay — Fri, 09 Mar 2012 22:28:02 GMT

i tried on Monday this week...and was declined :( (with income well into the 100s). caviat is I probably should have waited considered i just paid off the balance from our honeymoon this month, as well as PIF all our balances on all cc's (50% utilization > 0%). I am hoping this puts things in a much better light :). Do you know if i have to wait a specific amount of time post decline?

Re: Amex BCP 61 day CLI Score!

lrdwilder — Sat, 10 Mar 2012 12:07:51 GMT

I've been told you can repoke the beast in 6 mos if declined from what I've read here......

As for poking the beast, its a soft pull so I see no reason why you shouldn't, I did have util that was good........one thing to remember in my eyes is that if you already have good util, by increasing the CL you will in reality droping your util again as if approved you will have more credit.

Re: Amex BCP 61 day CLI Score!

Mustanglvr2006 — Sat, 10 Mar 2012 12:42:07 GMT

Congratulations, that's an Awesome CLI!!