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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011

Re: AMEX 3x CLI APPROVED!!!

[ Edited ]

LilNYC wrote:
@youngandcredit- 1 cc @ 94% & another at 89% (other 2 were 10% & 25%) I think this shows that with regards to credit increases, Amex is more concerned with your history with them than other creditors. @Nada- 1st statement balance $900 2nd statement balance $525 I paid in full once my statement generated. I also have a Zync that was opened a couple of weeks before & I paid those right away. Hardly charged anything on the Zync (1 charge each cycle for under $20.) However, during the 1st billing cycle on the BCP I kept charging up to $2,000 & then returned stuff. $2,000 CL wasn't really cutting it- I had to split my Bloomingdales charges on 2 cards more than once. I only mention this bc ppl say that Amex likes ppl who spend a lot and that if you don't use the limit they started you with then you don't have a case for an increase. Not sure if I buy this line of thinking. (Wasn't trying to pull anything with the buying & returning it's just that the way Bloomingdales sakes wirk, you get a bigger percentage off if you charge more.) My income is pretty mid range. I had a green card 12 yrs ago for a few months but Amex has no record of it so essentially the Zync & BCP are my first Amexes.

When you say "returned stuff"........do you mean returning what you bought or just paying off cards???


Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: AMEX 3x CLI APPROVED!!!

interesting... I was actually a little worried about two of my accounts reporting with high util (Chase Freedom and Trav Amex)....

so maybe this isn't a concern. I def plan to PIF with Amex though!!! This is good info to hear! Thanks :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Razeus
Posts: 387
Registered: ‎04-02-2012

Re: AMEX 3x CLI APPROVED!!!

I keep my balances low or zero.  It's been challenging of late since I just bought my house and Christmas is around the corner though, but thankfully I don't have any interest being charged until Dec' 2013.  I wouldn't worry too much about ultiizatin and credit score unless I was going to ask for more credit.  Keeping balances low helps with that though.

My Wallet:
Discover It $11,000 | Chase Freedom $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: AMEX 3x CLI APPROVED!!!

Yeah my bals are all at 0%. my trav amex 0% expires in Dec., so I just bt'ed most of it to Freedom lol... But I think it may double report the balance for like a week since my Trav Amex bal won't report after the new Chase bal reports. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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