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Amex 3x CLI

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Rackham94
Established Contributor
‎04-02-2014 06:34 PM
‎04-02-2014 06:34 PM

Amex 3x CLI

Okay I was declined the 60 Days 3x CLI

 

Inital CL: 1k

 

Requested: 3k

 

Declined due to factors called in and was advised to try again in 90 days.

 

In 90 days (yesterday), should I request 3k again or go for 5k? or it does not matter?

Message 1 of 13
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myjourney
Super Contributor
‎04-02-2014 06:37 PM
‎04-02-2014 06:37 PM

Re: Amex 3x CLI

Request a 3X nothing to lose 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 13
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-Wade-
Valued Contributor
‎04-02-2014 06:39 PM
‎04-02-2014 06:39 PM

Re: Amex 3x CLI

@Rackham94 wrote:

Okay I was declined the 60 Days 3x CLI

 

Inital CL: 1k

 

Requested: 3k

 

Declined due to factors called in and was advised to try again in 90 days.

 

In 90 days (yesterday), should I request 3k again or go for 5k? or it does not matter?

3X is the max cli you can ask for

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
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CreditRookie22
Contributor
‎04-02-2014 06:44 PM
‎04-02-2014 06:44 PM

Re: Amex 3x CLI

Why were you denied, if you dont mind me asking?

btw, i believe you can only ask for 3x.

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Rackham94
Established Contributor
‎04-02-2014 06:48 PM
‎04-02-2014 06:48 PM

Re: Amex 3x CLI

High util on card over 25%. Got the util down just got off the phone with CSR who xferred me to analyst and approved for 3x cli a couple minutes ago.

Message 5 of 13
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myjourney
Super Contributor
‎04-02-2014 06:51 PM
‎04-02-2014 06:51 PM

Re: Amex 3x CLI

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 13
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Rackham94
Established Contributor
‎04-02-2014 07:00 PM
‎04-02-2014 07:00 PM

Re: Amex 3x CLI

thanks lol i guess my question turned into an approval you guys are fast /salute

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CreditRookie22
Contributor
‎04-02-2014 07:04 PM
‎04-02-2014 07:04 PM

Re: Amex 3x CLI

What util% did they want you to have throughout the 61 days?

Congrats btw!!!

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gdale6
Moderator Emeritus
‎04-02-2014 07:17 PM
‎04-02-2014 07:17 PM

Re: Amex 3x CLI

@Rackham94 wrote:

High util on card over 25%. Got the util down just got off the phone with CSR who xferred me to analyst and approved for 3x cli a couple minutes ago.

Very nice Smiley Happy

Message 9 of 13
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BigBS
Senior Contributor
‎04-02-2014 07:21 PM
‎04-02-2014 07:21 PM

Re: Amex 3x CLI

Congrats on the CLI!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

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