Reply
Regular Contributor
CJ3
Posts: 170
Registered: ‎06-03-2013
0

61 Day Increase ???

Tomorrow will be 61 days since I my Amex BCE was opened and I have a couple of questions.

 

1. How early can I request the cli tomorrow? Can I ask at 12:01am?

2. I tried the 'Will my charges be approved' and was wondering if that is a good indication of getting a cli? My current limit is $1k and 2.5 and wasn't approved, but 1.8k was

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K
Valued Contributor
Gunnar419
Posts: 1,183
Registered: ‎01-23-2013
0

Re: 61 Day Increase ???


CJ3 wrote:

Tomorrow will be 61 days since I my Amex BCE was opened and I have a couple of questions.

 

1. How early can I request the cli tomorrow? Can I ask at 12:01am?

2. I tried the 'Will my charges be approved' and was wondering if that is a good indication of getting a cli? My current limit is $1k and 2.5 and wasn't approved, but 1.8k was


First thing to know is that it isn't 61 days from the day you got approved, but 61 days from when Amex opened the account, which is usually three or four days after you got approved. Make sure of that. However, if you apply too early, all you have to do is wait those few more days and try again.

 

To the best of my knowledge, you can apply right after midnight on the big day.

 

I don't know for sure, but I don't think the "will my charges be approved" function is a good indicator of whether or not you'll get the 3x CLI.

 

Regular Contributor
CJ3
Posts: 170
Registered: ‎06-03-2013
0

Re: 61 Day Increase ???

[ Edited ]

My 61st day of Amex creating my account is tomorrow... I guess I will give it a try after midnight.

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K
Regular Contributor
parkman
Posts: 191
Registered: ‎11-23-2013
0

Re: 61 Day Increase ???

Best of luck! Let us know how it goes!
All I have for this forum is bubblegum and anecdotal evidence, and I'm all out of bubblegum.
Regular Contributor
CJ3
Posts: 170
Registered: ‎06-03-2013
0

Re: 61 Day Increase ???


parkman wrote:
Best of luck! Let us know how it goes!

Will Do!

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K
Regular Contributor
CJ3
Posts: 170
Registered: ‎06-03-2013
0

Re: 61 Day Increase ???

I just received the dreaded 7-10 day message

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K
Valued Contributor
takeshi74
Posts: 3,022
Registered: ‎06-05-2013
0

Re: 61 Day Increase ???

[ Edited ]

CJ3 wrote:

I tried the 'Will my charges be approved' and was wondering if that is a good indication of getting a cli? My current limit is $1k and 2.5 and wasn't approved, but 1.8k was


Nope.  Transaction approval and CLI are two entirely different things.  Apples and oranges.

Established Member
Aaroncl27
Posts: 29
Registered: ‎12-08-2013
0

Re: 61 Day Increase ???

You may have just requested a bit too early. I know that the date my account actually opened was later than I thought it was. Try it again in a few days and see what happens. You may have just jumped the gun.


        8700              5000               5000              5000               5000               3000              2000              2000               1700
Regular Contributor
CJ3
Posts: 170
Registered: ‎06-03-2013
0

Re: 61 Day Increase ???


Aaroncl27 wrote:

You may have just requested a bit too early. I know that the date my account actually opened was later than I thought it was. Try it again in a few days and see what happens. You may have just jumped the gun.


It was denied. I just spoke with a rep and he instructed me to request a cli in 90 days. It will give me time to pay down my NFCU card (about $1000 out of $5500). 

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}