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Amex Love - A Timeline

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Fizzled
Valued Member

Amex Love - A Timeline

I got an email invitation for a CLI today. Filled it out and was approved instantly. I figured it might help to offer some anecdotal experiences.

 

- Applied for Blue Cash preferred in March 2013. Was not instantly approved and had a manual review. Got a $2000 limit.

- 3 months later. Was instant approved for a 3x increase initiated by me to $6000

- November of 2013 - Automatic increase to $8000

- Today - Received an 'invitation' for "up to" 3000 limit increase. Approved instantly. <<< I'm stopping probably here.

 

Some other notes:


Since getting the card, I've made $20000 in payments, current balance statement is $1500

Always paid slightly more than statement balance.

I have an authorized user who accounts for about 20% of the activity and pays me back for related purchases. Most recently has started paying AmEx directly.

I have a lot of personal reimurseable/ reimburseable work expenses funneled through the card

My 0% APR period expires next month... which may be related to this latest increase to prompt a credit trap.Not for me!

My only previous credit history is two low limit cards crapital one (500, opened when I turned 18) and my credit union (500 opened ~20). No auto loans,no installment loans, etc. my history is comprised entirely of revolving lines. No baddies on record.

Between rewards rebates, signup bonus and the "offers" section, I've received about $800 in direct cash benefits.

Last month my card was cloned and was used for fraudulent charges in - this doesn't seem to be a factor.

I do a ton of shopping at walmart. =D

 

 

 

 

Message 1 of 11
10 REPLIES 10
WillTeasle
Established Contributor

Re: Amex Love - A Timeline

Congrats on the CLI.

 

I, too, received a CLI invitation email from Amex today.  Definitely wasn't expecting it on my end, but I'll gladly take it.

Last HP: 01/10/19 | Latest Scores: EQ FICO8 - 850 | TU FICO8 - 850 | EX FICO8 - 850
Amex BC | Amex HHonors | Amex HHonors Aspire | Amex Marriott Business | Amex Platinum | BoA Alaska Airlines | CF | CFU | CSR | Chase Ink+ | Citi DC | Citi AA UP | Discover IT
Message 2 of 11
yudeology101
Senior Contributor

Re: Amex Love - A Timeline


@Fizzled wrote:

I got an email invitation for a CLI today. Filled it out and was approved instantly. I figured it might help to offer some anecdotal experiences.

 

- Applied for Blue Cash preferred in March 2013. Was not instantly approved and had a manual review. Got a $2000 limit.

- 3 months later. Was instant approved for a 3x increase initiated by me to $6000

- November of 2013 - Automatic increase to $8000

- Today - Received an 'invitation' for "up to" 3000 limit increase. Approved instantly. <<< I'm stopping probably here.

 

Some other notes:


Since getting the card, I've made $20000 in payments, current balance statement is $1500

Always paid slightly more than statement balance.

I have an authorized user who accounts for about 20% of the activity and pays me back for related purchases. Most recently has started paying AmEx directly.

I have a lot of personal reimurseable/ reimburseable work expenses funneled through the card

My 0% APR period expires next month... which may be related to this latest increase to prompt a credit trap.Not for me!

My only previous credit history is two low limit cards crapital one (500, opened when I turned 18) and my credit union (500 opened ~20). No auto loans,no installment loans, etc. my history is comprised entirely of revolving lines. No baddies on record.

Between rewards rebates, signup bonus and the "offers" section, I've received about $800 in direct cash benefits.

Last month my card was cloned and was used for fraudulent charges in - this doesn't seem to be a factor.

I do a ton of shopping at walmart. =D

 

 

 

 


Congrats on your CLI and the data points.  Very surprising that you've received a manual review and got it approved....was this your first AMEX card?  Also, were there any errors on your report that led to overturn their decision? 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 11
Fizzled
Valued Member

Re: Amex Love - A Timeline

First Amex and never had any errors on my report... and I check them religiously.

 

I may have misspoke with I said, "Manual" - I wasn't instantly approved, it took a few days of processing and THEN it was approved. I didn't call for a reconsideration after a decline or anything on my part. So, not sure if "manual" is the right word for this.

Message 4 of 11
cakebuilder
New Contributor

Re: Amex Love - A Timeline

Sounds like you managed your account like a pro

..........

.......$23k....................$8k......................$2k


Current FICO EQ: 775, EX: 764 | Current FAKO CK: 788

Message 5 of 11
yudeology101
Senior Contributor

Re: Amex Love - A Timeline


@Fizzled wrote:

First Amex and never had any errors on my report... and I check them religiously.

 

I may have misspoke with I said, "Manual" - I wasn't instantly approved, it took a few days of processing and THEN it was approved. I didn't call for a reconsideration after a decline or anything on my part. So, not sure if "manual" is the right word for this.


Got it.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 6 of 11
coldnmn
Mega Contributor

Re: Amex Love - A Timeline

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 11
gdale6
Moderator Emeritus

Re: Amex Love - A Timeline

Grats to your success OP Smiley Happy

Message 8 of 11
azguy13
Senior Contributor

Re: Amex Love - A Timeline

Congrats to both the OP and Will!

 

Hopefully I can get a nice CLI at day 61

Message 9 of 11
-Wade-
Valued Contributor

Re: Amex Love - A Timeline


@Fizzled wrote:

I got an email invitation for a CLI today. Filled it out and was approved instantly. I figured it might help to offer some anecdotal experiences.

 

- Applied for Blue Cash preferred in March 2013. Was not instantly approved and had a manual review. Got a $2000 limit.

- 3 months later. Was instant approved for a 3x increase initiated by me to $6000

- November of 2013 - Automatic increase to $8000

- Today - Received an 'invitation' for "up to" 3000 limit increase. Approved instantly. <<< I'm stopping probably here.

 

Some other notes:


Since getting the card, I've made $20000 in payments, current balance statement is $1500

Always paid slightly more than statement balance.

I have an authorized user who accounts for about 20% of the activity and pays me back for related purchases. Most recently has started paying AmEx directly.

I have a lot of personal reimurseable/ reimburseable work expenses funneled through the card

My 0% APR period expires next month... which may be related to this latest increase to prompt a credit trap.Not for me!

My only previous credit history is two low limit cards crapital one (500, opened when I turned 18) and my credit union (500 opened ~20). No auto loans,no installment loans, etc. my history is comprised entirely of revolving lines. No baddies on record.

Between rewards rebates, signup bonus and the "offers" section, I've received about $800 in direct cash benefits.

Last month my card was cloned and was used for fraudulent charges in - this doesn't seem to be a factor.

I do a ton of shopping at walmart. =D

 

 

 

 


Congrats on your CLI Smiley Happy

"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 ******
Message 10 of 11
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