61 day CLI question

ppiresny · ‎07-12-2012

How does one go about finding out the date the card was opened to accurately request a CLI on the 61st day.

Also when requesting a CLI on the 61st day does the card have to have $0 balance.

My citi diamond has 45% utilization because I am taking advantage of the 0% APR for 18 mths, would this prevent me from getting a CLI, I pay more than minimum as well.

TU 708 EQ 690 EX 708(FCR)

Portfolio
Amex Zync NPSL,Amex Blue Cash Everyday $2700,Barclaycard iTunes rewards $2500,Chase Sapphire Preferred $5000,GAP Visa $1250,Express Store card $750,Dell Preferred Account $1500,Discover More $3000,Citi Diamond Preferred $9000,Chase Freedom $1500,Wells Fargo Auto Loan $19,000 @ 11%

injustifiiable · ‎07-12-2012

Check the opening date of your first statement to find out when the account was opened.

To be on the safe side though, use 61 days from the date of activation to be sure.

Utilization on other cards shouldn't be a factor; just make sure the AMEX is below 10% at the time of request.

Good luck!

FrugalRican · ‎07-12-2012

If in doubt, go check your application status online for AMEX and it'll show you what date you were approved.

And yes, you'd be much better off requesting an increase while having a 0 balance.

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EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Crashem · ‎07-12-2012

Personally, I would recommend just waiting till your 2nd statement cuts. That way you can be sure. While it is nice to hit it on exactly the right day, does it really matter?

Capital One 1.5% MC/HSBC 15kto20k 8/7/13

LIMITS IN CARD DESCRIPTIONS

ppiresny · ‎07-12-2012

doesn't matter the date, just dont want to let the opportunity pass me by, this is a soft pull as well correct?

TU 708 EQ 690 EX 708(FCR)

Portfolio
Amex Zync NPSL,Amex Blue Cash Everyday $2700,Barclaycard iTunes rewards $2500,Chase Sapphire Preferred $5000,GAP Visa $1250,Express Store card $750,Dell Preferred Account $1500,Discover More $3000,Citi Diamond Preferred $9000,Chase Freedom $1500,Wells Fargo Auto Loan $19,000 @ 11%

Crashem · ‎07-12-2012

@ppiresny wrote:
doesn't matter the date, just dont want to let the opportunity pass me by, this is a soft pull as well correct?

Yep soft pull. But remember it isn't a soft pull at the time of CLI request. It is based on the last account review soft pull they did. So really pay attention to managing your utilization during the first two months.

LIMITS IN CARD DESCRIPTIONS

bribro · ‎07-13-2012

@Crashem wrote:
@ppiresny wrote:
doesn't matter the date, just dont want to let the opportunity pass me by, this is a soft pull as well correct?
Yep soft pull. But remember it isn't a soft pull at the time of CLI request. It is based on the last account review soft pull they did. So really pay attention to managing your utilization during the first two months.

How often does AmEx do SP/account reviews?

Crashem · ‎07-13-2012

@bribro wrote:
@Crashem wrote:
@ppiresny wrote:
doesn't matter the date, just dont want to let the opportunity pass me by, this is a soft pull as well correct?
Yep soft pull. But remember it isn't a soft pull at the time of CLI request. It is based on the last account review soft pull they did. So really pay attention to managing your utilization during the first two months.

How often does AmEx do SP/account reviews?

Varies. Usually once a month, but I have seen it several times a month and skip a couple of months. I think dependent on how much you are using cards. I find sp to be in line with my plat card use. If I do a bunch of big charges, the sp seem to match up.

LIMITS IN CARD DESCRIPTIONS

Anonymous · ‎07-13-2012

I was approved for the delta amex 62 days ago with a credit line of $2000 dollars well today I call and request 3x my credit limit and I was approved for $6000 dollars!! I ask her if it was a HP and she said no it a SP.

Meltdownblitz · ‎07-13-2012

I have a similar question, Today is my 6 month mark on my bcp, should I request a CLI today or wait a few days after today?

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