topic Re: Realistic cli request at 61 days for amex delta????? in Credit Cards

Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 06:30:24 GMT

I was just wondering how much cash i would have to put thru my card to get an increase at the 61 day mark? Should i request 3x's the limit?

my utility will be at 10%.....scores might be in the 680 range.......salary unchanged 42000......

Re: Realistic cli request at 61 days for amex delta?????

trumpet-205 — Sat, 10 Nov 2012 06:34:24 GMT

Given your income and total AMEX credit is $7,000, I'd say play conservative and ask for $2,000 CLI.

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 06:37:06 GMT

trumpet-205 wrote:
Given your income and total AMEX credit is $7,000, I'd say play conservative and ask for $2,000 CLI.

Is that with regular charges and paying in full?

also how much $$ should i put thru card....i really dont have a lot of bills hat i pay for directly...wife handles them...i pay her a sum total for all...

Re: Realistic cli request at 61 days for amex delta?????

trumpet-205 — Sat, 10 Nov 2012 06:45:56 GMT

I'd say just keep your spending habit. You don't need to intentionally pushing money thorugh a card to ensure CLI.

You are PIF right? Asking for a $2,000 CLI shouldn't be a problem. AMEX loves to see PIF.

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 06:49:51 GMT

yep......should i try the increase ,then in a year try and transfer cl from delta to BCP....thats the card i really wanted...just never thought i would be approved for all three at the same time...

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 12:11:07 GMT

amercnchopz34 wrote:
yep......should i try the increase ,then in a year try and transfer cl from delta to BCP....thats the card i really wanted...just never thought i would be approved for all three at the same time...

Any thoughts on this

Re: Realistic cli request at 61 days for amex delta?????

gettnthere — Sat, 10 Nov 2012 13:52:41 GMT

If that's the card you really want, id say go for it! AMex shouldn't have a problem transferring the CL for ya. Plus BCP is one of the absolute best cards in the market right now Imo and you wouldn't have to worry about starting with a lower CL.

Re: Realistic cli request at 61 days for amex delta?????

jsickz32 — Sat, 10 Nov 2012 14:01:04 GMT

Just ask for 3x cli. They counter if not approved for amount asked. I didnt get a cli at 61 days

Re: Realistic cli request at 61 days for amex delta?????

improvingmycredit — Sat, 10 Nov 2012 14:11:52 GMT

amercnchopz34 wrote:
I was just wondering how much cash i would have to put thru my card to get an increase at the 61 day mark? Should i request 3x's the limit?

my utility will be at 10%.....scores might be in the 680 range.......salary unchanged 42000......

Hey americanchopz34!

I recommend asking the full 3X. Amex will counter offer if you do not qualify for the full 3X. The truth is, you will be awarded the CLI based on a SP that will take place within the first 60 days. (usually right after your first 30). They don't SP again for the CLI at 61 days. You will be approved/unapproved for a CLI IF you qualify and it won't be based on what you ask for as an increase. The amount approved for is what is in question. With regards to the BCP... you will have to ask the CSR if a PC is available for the Delta card and if so, what cards are available to PC to. It will be painless if/when the Delta is eligible to PC.

Re: Realistic cli request at 61 days for amex delta?????

improvingmycredit — Sat, 10 Nov 2012 14:18:47 GMT

gettnthere wrote:
If that's the card you really want, id say go for it! AMex shouldn't have a problem transferring the CL for ya. Plus BCP is one of the absolute best cards in the market right now Imo and you wouldn't have to worry about starting with a lower CL.

Just read another thread of yours and didn't realize that you were just approved for the Delta. I don't believe the Delta is PC-able yet and the underwriting standards are a little more stringent for the BCP from the information i've gathered on this forum. I would wait the full year with the Delta then call up Amex to see what cards the Delta is eligible to PC to. Being it's co-branded, I 'm not sure of the list of cards you can PC.

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 14:40:00 GMT

I dont need a PC...I have BC...I just want to transfer my CL from delta to BCP...Im done apping for 2 years at least

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 14:44:27 GMT

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 14:45:31 GMT

Sorry...I have BCP already

Re: Realistic cli request at 61 days for amex delta?????

improvingmycredit — Sat, 10 Nov 2012 15:05:33 GMT

Sorry- it's difficult reading these threads some time with an iPhone. :). You shouldn't have any issues transferring CLs to BCP from the Delta.

Re: Realistic cli request at 61 days for amex delta?????

SnackTrader — Sat, 10 Nov 2012 17:52:47 GMT

trumpet-205 wrote:
I'd say just keep your spending habit. You don't need to intentionally pushing money thorugh a card to ensure CLI.

You are PIF right? Asking for a $2,000 CLI shouldn't be a problem. AMEX loves to see PIF.

Agree with the bolded section above. Do not put more money through than typical. If you think about it, if you have to spend MORE money than normal in order to convince a creditor to raise your limit, than you probably don't NEED a higher limit on that card. If a time comes where your income increases, or spending increases or whatnot, I'm sure a positive relationship and responsible card usage will go a long way in convincing the creditor that you deserve an increase.

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 19:32:55 GMT

Well just got off the phone with the rep from the back of my gold delta card.........nice guy here in the states .....he said that I can transfer limit from Gold to BCP at the 61 day mark....so I will wait till im about 3 month out (for score recovery from app spree) then ask for CLI on Delta Gold ...

If approved ...then I will wait a month and ask to transfer my CL from Delta to BCP.......if not approved ...will move the cl over anyways and make the BCP my primary card

Re: Realistic cli request at 61 days for amex delta?????

Duncanrr — Sat, 10 Nov 2012 19:36:44 GMT

I'm going to ask them to match NFCU ;)

Ill go for 6k but will be happy with 5k

Re: Realistic cli request at 61 days for amex delta?????

amercnchopz34 — Sat, 10 Nov 2012 19:59:14 GMT

Duncanrr wrote:
I'm going to ask them to match NFCU ;)

Ill go for 6k but will be happy with 5k

yeah Im not sure how realistic it is to ask for 3 x's my cl now ......15000cl probably not going to happen with my income.....but I will take what ever they throw at me....

considering that 1 yr ago this time they would not touch me.....Bk on my record now for 7.4 yrs.......

just happy:smileyvery-happy: to have 3 cards with them now......