Credit Cards

[stealthc63]

So tomorrow is the magic day but I'm not sure if I should pull the trigger yet. I owe about $175 which is less than 10% utl on the card. Question is should I pay off the balance or since it is such a small amount just go for it. I'd have to wait till Friday to pay it off because I didn't budget for that. I really dont want to wait but I will. Any thoughts???

[chnceit]

Whats your overall UTI and credit profile?? Did your credit get better in 61 days??

[stealthc63]

I would say that nothing has changed really in the last 2 months. My aaoa definitely improved due to the 2 new Amex accts. Other than that UTL is at about 30% which is where it was when I first app'd.

[chnceit]

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stealthc63 wrote:

I would say that nothing has changed really in the last 2 months. My aaoa definitely improved due to the 2 new Amex accts. Other than that UTL is at about 30% which is where it was when I first app'd.

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I say you have a good chance on getting a CLI. Your increase will be based on your last SP AMEX pulled. Good luck!

[stealthc63]

Is there a certain time I have to wait until or can I do it at midnight on my computer??

[stealthc63]

Anyone?? Midnight or???

[chnceit]

All it is just 61 days from activation, I would wait till morning just in case they have some sort of interner maintenance window 

[McArthur]

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chnceit wrote:

All it is just 61 days from activation, I would wait till morning just in case they have some sort of interner maintenance window 

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According the the AmEx CLI sticky, it's 61 days from account creation, which is usually very shortly after approval.

[OhioCPA]

I would wait until the payment has posted to the account before asking for a CLI. The wait might be painful but it could improve your odds of getting the maximum increase.