Today is the day....to pull or not to pull....Amex 180-day

[madmann26]

So, today is the day of my Amex 180-day cli.

Questions for the masses:

1. Do I use the pull on my BCE that already has a $21k limit? 3x21...yeeeeeea.

2. Do I use the pull on my ED card that is at $8500 (this would be the first cli on this card)?

I do have a high limit card, my NFCU Siggy @ $45k. 

I know the decision has already been made as to whether I will get one (to some degree anyway) or not. I've never been turned down for a full 3x-cli before and Amex gave me a auto-$3k bump in December (when the card hit a year old).

Thanks,

[alvon123]

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@madmann26 wrote:

So, today is the day of my Amex 180-day cli.

Questions for the masses:

1. Do I use the pull on my BCE that already has a $21k limit? 3x21...yeeeeeea.

2. Do I use the pull on my ED card that is at $8500 (this would be the first cli on this card)?  (Choose this one)

@I do have a high limit card, my NFCU Siggy @ $45k. 

I know the decision has already been made as to whether I will get one (to some degree anyway) or not. I've never been turned down for a full 3x-cli before and Amex gave me a auto-$3k bump in December (when the card hit a year old).

Thanks,

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[chalupaman]

I'd do the second one.

I'm also due for another CLI on Friday. It will be 180 days since my last CLI on Amex and I'm planning to get my Amex Hilton HHonors Surpass limit up given that I have two $8k limit cards now. I think it's more important to me to have usable limits on cards I'm actually going to use.

[Anonymous]

Second one!

[madmann26]

Declined.

They are weird, that's for sure. I have 18% util. They are using a report from Jan 17th and my FICO score was 706.

Oh well,

I'll try again in 61 days. LOL.

[Anonymous]

Sorry to hear that! 

[bigbang91]

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@madmann26 wrote:

Declined.

They are weird, that's for sure. I have 18% util. They are using a report from Jan 17th and my FICO score was 706.

Oh well,

I'll try again in 61 days. LOL.

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90days is the minimum i think. Please do tell us reasons for denial once you receive the letter. My 180days is in march and my cli on ED 20.1,gonna ask 3x for that one to test my luck 

[Anonymous]

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@madmann26 wrote:

Declined.

They are weird, that's for sure. I have 18% util. They are using a report from Jan 17th and my FICO score was 706.

Oh well,

I'll try again in 61 days. LOL.

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oh no!!!!  My heart sank when I saw that.  I'm sorry. 

[Anonymous]

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@madmann26 wrote:

Declined.

They are weird, that's for sure. I have 18% util. They are using a report from Jan 17th and my FICO score was 706.

Oh well,

I'll try again in 61 days. LOL.

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@madmann26,

Sorry to hear.. That sucks..