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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: 5 figure CLI Amex 61 days CLI?

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! :smileyhappy:

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: 5 figure CLI Amex 61 days CLI?

Nice @ jd

Valued Contributor
Dustink
Posts: 2,999
Registered: ‎10-02-2012
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Re: 5 figure CLI Amex 61 days CLI?


jd5189 wrote:

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! :smileyhappy:


Such a random limit, they must have some crazy internal risk systems. I like my limits staying rounded. I'd be on the phone trying to get them to give me an $800 CLI to get up to the $20k mark. 19.2 just way to random..haha

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k          $8.5K          Closed          $19k         $6.5k           $24.2k        Closed          $5k         Closed       $8.5k        Closed      @2.49%
New Contributor
nagisa
Posts: 55
Registered: ‎10-28-2012
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Re: 5 figure CLI Amex 61 days CLI?

[ Edited ]

jd5189 wrote:

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! :smileyhappy:


I presume income changes how much CLI they are prepared to give. Do you mind sharing what your stated income was?

 

I got a fairly generous CL on my BCP given that my income is not that high, and I'm a little worried about asking for a 61 day CLI because then my CL-to-income ratio would be pretty high and they might sniff out a FR lol.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $7.6k (10/12) -> $19.7k (3x CLI), Amazon Chase Visa $3.1k (10/12), Citi Forward Student $4k (11/12), Chase Southwest RR Premier $8k siggy (3/13 - 50k sign up bonus)

EX FICO 767 10/12
TU FAKO(? from Chase Amazon) 742/990 10/12
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: 5 figure CLI Amex 61 days CLI?

Stated income was around 75k.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
New Contributor
nagisa
Posts: 55
Registered: ‎10-28-2012
0

Re: 5 figure CLI Amex 61 days CLI?


jd5189 wrote:

Stated income was around 75k.


Hmmm. My income isn't as much as that which makes me a little uneasy about asking for a CLI.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $7.6k (10/12) -> $19.7k (3x CLI), Amazon Chase Visa $3.1k (10/12), Citi Forward Student $4k (11/12), Chase Southwest RR Premier $8k siggy (3/13 - 50k sign up bonus)

EX FICO 767 10/12
TU FAKO(? from Chase Amazon) 742/990 10/12

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