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Amex 3x CLI approved

Established Contributor

Amex 3x CLI approved

I continue to be bemused by Amex. Today marked 6 months since I requested a CLI on my surpass (1k to 3k). Today, I requested a CLI on my true earnings, 5k to 15k. Instant approved. My credit scores haven't changed markedly in almost a year. My income hasn't changed in longer. I haven't made a big purchase on an Amex since June and I only use the TE for Costco purchases. I do use the hilton surpass pretty heavily, but obviously never more than 3k at a time. I got denied for a student forward last spring and have had to recon two out of three for chase, but Amex has never said no to anything (going back to 1988). Maybe I should ask them to give citi a call?

For those who track such things: I had no balances on either Amex at time of request, but had 2500/12000 reporting on united mpe. Highest CL was 13k with usaa, lowest is 3k on hilton surpass. I have 5 negatives on exp, 3 on eq, 4 on tu, all from 2006-2007. My mortgage shows as paid in full and the refi hasn't posted yet. Income just north of 100k, biggest single charge 11k on a zync in June. I only know my actual fico for eq, which is 716. Ck is 700, ck vantage 860, cred sesame 726.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 1 of 12
11 REPLIES
Moderator Emerita

Re: Amex 3x CLI approved

Message 2 of 12
Frequent Contributor

Re: Amex 3x CLI approved

Congratulations!

 

WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Message 3 of 12
Senior Contributor

Re: Amex 3x CLI approved

Congrats!!!
Do you ever revolve bals on your Amex(s)?
I'll be requesting a 2.5xcli on my BCE from 10,500 to 25,000, but I'll prob owe like $2k+ on it. Currently at 0%
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 12
Established Contributor

Re: Amex 3x CLI approved

I carried a balance for one month when a reimbursement for a hotel didn't process in time. Otherwise, I pif. My wife routinely carries balance on her Amex clear, has scores in the 760s and has never been approved for a CLI with Amex. This despite the CL being 6200 and her 2nd lowest card being 16,600. Only two data points, but...
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 5 of 12
Established Contributor

Re: Amex 3x CLI approved

Congrats

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 6 of 12
Established Contributor

Re: Amex 3x CLI approved

Nice!!!  Congrats!!! Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 7 of 12
Regular Contributor

Re: Amex 3x CLI approved

Congrats.  Just got my Amex card yesterday hopefully I will be lucky in 61 days for a CLI.Smiley Happy

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 8 of 12
Senior Contributor

Re: Amex 3x CLI approved

Crap...
Looks like I def will be paying that off sooner rather than later. Lol

What do they say when they deny her clis?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 12
Established Contributor

Re: Amex 3x CLI approved

Don't remember word for word, but ratio of balances to limits was definitely one.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 10 of 12