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Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Congrats!!!

*8/10/13
Frequent Contributor
Posts: 257
Registered: ‎01-02-2010
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

My Costco Amex 2500 to 7500  So 3X Love itSmiley Happy

Established Member
Posts: 24
Registered: ‎04-13-2013
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

I've had my Blue Cash for a year with a $10k limit. After mistakingly making a payment 5 days late, they reduced my limit to $5k, this was 6 months ago. I was recently denied for a CLI I requested to get my limit back up to $10k, prior to discovering this forum. I think I was declined because of my high utilization at the time, which was at 50%. I'm paying that down to below 30% and will try again in 90 days. Should I be watching for soft pull from Amex prior to requesting and if so, what products are people using to be able to view soft pulls on a monthly basis?

Regular Contributor
Posts: 207
Registered: ‎07-07-2008

Re: The Definitive Amex 3X CLI Guide Discussion Thread

@FicoTron

Congrats on the CLI. Very interesting experience though!! "But he then asked if I wanted him to check if there was a lower offer that he could approve and lock it in immediately" Others getting 7-10 message should try this route going forward too and report if it works Smiley Happy

@911gt34life

Congrats!

@ficoguy75

To see softs, need to check official Experian credit report. If you have a report number handy, then you can use the same report number for upto 90 days and actually get an updated version of your credit report each time you check online! Lately my experience has been that viewing report resets the 90 day expiration too. Example I have been using the same report number that I originally had in October, because I check my reports weekly.

It used to be considered a loophole, but knowledgeable CSRs will tell you about this great Experian service.

To check your softs, go to www.experian.com and click on "View Report Again" under "Additional Services & Products -> Credit Report Assistance" or Click this to go there directly

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New Contributor
Posts: 62
Registered: ‎08-01-2012
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Re: The Definitive Amex 3X CLI Guide Discussion Thread


MustangSaluki wrote:

@FicoTron

Congrats on the CLI. Very interesting experience though!! "But he then asked if I wanted him to check if there was a lower offer that he could approve and lock it in immediately" Others getting 7-10 message should try this route going forward too and report if it works Smiley Happy

@911gt34life

Congrats!

@ficoguy75

To see softs, need to check official Experian credit report. If you have a report number handy, then you can use the same report number for upto 90 days and actually get an updated version of your credit report each time you check online! Lately my experience has been that viewing report resets the 90 day expiration too. Example I have been using the same report number that I originally had in October, because I check my reports weekly.

It used to be considered a loophole, but knowledgeable CSRs will tell you about this great Experian service.

To check your softs, go to www.experian.com and click on "View Report Again" under "Additional Services & Products -> Credit Report Assistance" or Click this to go there directly


Thanks for that info on experian @mustang saluki  just tried it Smiley Happy

New Contributor
Posts: 121
Registered: ‎02-26-2013
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

My 3x cli is coming up soon and I'm a bit nervous. My current limit is $2k with and income of $24k. I want $5k to pay my next semester of classes while getting some cash back. I don't really want to request $6k and have it denied and not end up with the $5k that I want.
TU: 730 (Lender Pull) ; EQ: 738 (MyFico)
Age:21
Barclay's Sallie Mae 5% Mastercard $1k(4/2013)- My main beach
Chase Freedom $3k (3/2013) - My side beach
Amex BCE $6k (3/2013) - When I feel like a boss
Crapital One Platinum $750 (2/2010) - When I feel like a n00b
Valued Member
Posts: 43
Registered: ‎04-06-2013
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

OK.. finally got the "Declined" mail Smiley Sad

 

here is the reason in the letter

 

"one of more payments received in the past 12 months on your american express account were too low given the outstanding balance and repayment histoty"

 

i only paid minimums as auto-pay settings but didn't really kept any high balance - so, recon?? can you please give me a number to reach them...


sorachepa wrote:

Smiley Sad

 

got the wait for "7 - 10 days" message when I pulled the request just now... opened this Delta Skymiles Amex about 5 months ago - initial limit is 9500; reading through all these forums, wanted to test it .. requested an additional $10000 and make my limit to 19500 (because i must be below 25K cap). I have no other AMEX cards and my Experian Score is 780 (as per Premier Credit Manager) and utilization r/t of 4%; i really didn't need the increase in limit but curiosity got the better of me .. 

 

will post the reason for denial { i am fairly confident its a denial - just hoping not a HP on my Experian file}






Starting Score:~ 600 all 3 in 2005 - Last App: TU- June 2013; EQFX - May 2014; EXP - Oct 2014;
Current Score: Dec 2014 - EXP: FNBO-778/900; PremierCreditManager-746/850; CreditSecure-746/850; IdentityGuard-729/850;
EQFX: DCU-723/830; CreditSecure-734/850;
TU: WM-734/850; TUonline-809/990; CKarma-749; Discover-745/850; CapOne-724/850; CSecure-769/850;
Goal Score: > 800 all 3

App-Free Target Date:> JAN 2014 (6 months)
Moderator
Posts: 16,328
Registered: ‎12-30-2011
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

[ Edited ]
Sora:

Payment size desirability varies by lender; however, I would suggest you stumbled over one of two things:

- Not using the card enough
- Not making large enough payments

First one is up to you, second one, just switch your auto pay to current balance if there is an option for it. Or get into the habit of logging in once a month to PIF. Amex anecdotally appears to prefer this to balance carrying.

Edit: mobile phone posting ftl.
Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 693, EX 2 719, EQ 8 732, TU 8 732, EX 8 728 (2/01/17)
Goal Score:    EQ 5 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Member
Posts: 43
Registered: ‎04-06-2013
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Thanks Revelate - i actually use this a lot (to get miles). only card I use unless they don't accept AmEx. so, may be paying just the min hurt me this time. i PIF but didn't bother much about statement due date - guess my bad. 

 

since I tried the auto-CLI, i should wait for 6 months before applying again - correct? must make sure I pay my balance before the due date for these 6 months Smiley Happy



Starting Score:~ 600 all 3 in 2005 - Last App: TU- June 2013; EQFX - May 2014; EXP - Oct 2014;
Current Score: Dec 2014 - EXP: FNBO-778/900; PremierCreditManager-746/850; CreditSecure-746/850; IdentityGuard-729/850;
EQFX: DCU-723/830; CreditSecure-734/850;
TU: WM-734/850; TUonline-809/990; CKarma-749; Discover-745/850; CapOne-724/850; CSecure-769/850;
Goal Score: > 800 all 3

App-Free Target Date:> JAN 2014 (6 months)
Valued Member
Posts: 43
Registered: ‎04-06-2013
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread

any experience with RECON on these soft pulls? worth it or should I garden for 6 months? any advice appreciated.. these forums rock !!


sorachepa wrote:

Thanks Revelate - i actually use this a lot (to get miles). only card I use unless they don't accept AmEx. so, may be paying just the min hurt me this time. i PIF but didn't bother much about statement due date - guess my bad. 

 

since I tried the auto-CLI, i should wait for 6 months before applying again - correct? must make sure I pay my balance before the due date for these 6 months Smiley Happy






Starting Score:~ 600 all 3 in 2005 - Last App: TU- June 2013; EQFX - May 2014; EXP - Oct 2014;
Current Score: Dec 2014 - EXP: FNBO-778/900; PremierCreditManager-746/850; CreditSecure-746/850; IdentityGuard-729/850;
EQFX: DCU-723/830; CreditSecure-734/850;
TU: WM-734/850; TUonline-809/990; CKarma-749; Discover-745/850; CapOne-724/850; CSecure-769/850;
Goal Score: > 800 all 3

App-Free Target Date:> JAN 2014 (6 months)

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