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Established Contributor
Cdnewmanpac
Posts: 759
Registered: ‎01-16-2012

Amex 3x CLI approved

I continue to be bemused by Amex. Today marked 6 months since I requested a CLI on my surpass (1k to 3k). Today, I requested a CLI on my true earnings, 5k to 15k. Instant approved. My credit scores haven't changed markedly in almost a year. My income hasn't changed in longer. I haven't made a big purchase on an Amex since June and I only use the TE for Costco purchases. I do use the hilton surpass pretty heavily, but obviously never more than 3k at a time. I got denied for a student forward last spring and have had to recon two out of three for chase, but Amex has never said no to anything (going back to 1988). Maybe I should ask them to give citi a call?

For those who track such things: I had no balances on either Amex at time of request, but had 2500/12000 reporting on united mpe. Highest CL was 13k with usaa, lowest is 3k on hilton surpass. I have 5 negatives on exp, 3 on eq, 4 on tu, all from 2006-2007. My mortgage shows as paid in full and the refi hasn't posted yet. Income just north of 100k, biggest single charge 11k on a zync in June. I only know my actual fico for eq, which is 716. Ck is 700, ck vantage 860, cred sesame 726.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Amex 3x CLI approved

Frequent Contributor
LisaJ
Posts: 388
Registered: ‎11-06-2008

Re: Amex 3x CLI approved

Congratulations!

 

WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Amex 3x CLI approved

Congrats!!!
Do you ever revolve bals on your Amex(s)?
I'll be requesting a 2.5xcli on my BCE from 10,500 to 25,000, but I'll prob owe like $2k+ on it. Currently at 0%
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Cdnewmanpac
Posts: 759
Registered: ‎01-16-2012

Re: Amex 3x CLI approved

I carried a balance for one month when a reimbursement for a hotel didn't process in time. Otherwise, I pif. My wife routinely carries balance on her Amex clear, has scores in the 760s and has never been approved for a CLI with Amex. This despite the CL being 6200 and her 2nd lowest card being 16,600. Only two data points, but...
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k
Established Contributor
shakalaka
Posts: 546
Registered: ‎09-10-2012

Re: Amex 3x CLI approved

Congrats


Amex Platinum (NPSL) | Amex BCE (25,000) | Chase Sapphire Preferred (17,400) | Discover IT (11,200) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 754 (1/18) EQ 731 (1/26) EX 748 (12/5)

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: Amex 3x CLI approved

Nice!!!  Congrats!!! :smileyhappy:


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Regular Contributor
creditjail
Posts: 182
Registered: ‎07-23-2008

Re: Amex 3x CLI approved

Congrats.  Just got my Amex card yesterday hopefully I will be lucky in 61 days for a CLI.:smileyhappy:

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: Amex 3x CLI approved

Crap...
Looks like I def will be paying that off sooner rather than later. Lol

What do they say when they deny her clis?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Cdnewmanpac
Posts: 759
Registered: ‎01-16-2012

Re: Amex 3x CLI approved

Don't remember word for word, but ratio of balances to limits was definitely one.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 12k, USAA WMC 13k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k

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