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Sorry I didn't get it.
So the new credit card will count as a CLI?
Do you mean to say I'll need to apply after 5 months from now because I got a CC last month?
Need advise. My 60 day is coming up or could have actually passed... but I wan to pull the trigger. My initial CLI is $11K - should I ask for $33K in hopes they counter or will they auto ask me to fill out that form asking for taxes? Should I just ask for $25K and be done with it?
Thanks in advance for your wisdom!
@cowboyguy wrote:Sorry I didn't get it.
So the new credit card will count as a CLI?
Do you mean to say I'll need to apply after 5 months from now because I got a CC last month?
No, new cards are not CLI's.
So if my account opened on 12/24, can I request the 3X today or do I need to wait till tommorow?
Tomorrow is your 61st day
Response in 7 - 10 day message
@Untitled wrote:Response in 7 - 10 day message
Isn't your 61 day tomorrow?
No, it was today (Sunday) according to the link in the 3X thread. I may have jumped slightly early, but it's already past midnight.
@Untitled wrote:No, it was today (Sunday) according to the link in the 3X thread. I may have jumped slightly early, but it's already past midnight.
They are on MST
Tried for a 3X CLI today on my Delta Platinum. Not approved. Will wait for letter and then recon, not sure why as the reasons provided online sound a bit generic. Reasons given for denial were "overall debt with other creditors listed in your credit report" and "credit limits on your American Express cards is high in relation to your reported income". I'm showing very little debt currently (less than 2% at best, would need to pull latest report to confirm) and my total AMEX limits across 4 revolvers (3 personal and 1 business) is $47,000. The one business AMEX revolver limit is $15K and sees very heavy use but always PIF. Reported personal income is $106K.
I could understand if they pointed out total available credit as it's at least 2.5X my reported income but a good portion of that credit limit is on business cards that do not report. My AMEX Platinum for business gets heavy use but it's always PIF well before due date.
Received this card 6/24/2012 with original limit of $2K. Requested CLI on this card on 12/20/12 to $5K and was approved. Requested a CLI on another AMEX card (business Delta Reserve) on 6/9/13 from $5K to $15K and was approved.