Credit Cards

[LilNYC]

Just requested 3x CLI on my Amex BCP & got approved ($6,000 from $2,000). For those looking to do the same here's what my credit profile & Amex  history looks like. Account opened 70 days go, I paid my balance in full for the 2 billing cycles ( paid the last statement early so that it would post before I requested the increase). I'm not sure if this has anything to do with why Amex increased me but I charged pretty close to the $2,000 limit during the 1st billing cycle more than once but returned most of it before the cycle closed. I have high util on my other non-Amex CCs but no baddies. 3 inquiries on EX, 3 on EQ, & 2 on TU.

(Also got approved for 2 USAA cards yesterday so I'm pretty excited. Citi denied my request for a CLI but I was expecting that.)

Hope this info helps. 

[jd5189]

congrats!

[wallyworld123]

Congrats:

[youngandcreditwrthy]

Nice!! Congrats!! How high is high for util? Lol

[bettercreditguy1]

Congradulation! Take care of them and they will take care of you! I have been a member since 1984. There service is impecably Professional.

[nada9188]

Op, can you post each statement balance you've had so far? Also is this your first Amex?

[Cadillac-XTS]

Congrats

[webhopper]

Nice CLI Congrats!!

[Epcot]

Nice, Congrats!

[LilNYC]

@youngandcredit- 1 cc @ 94% & another at 89% (other 2 were 10% & 25%) I think this shows that with regards to credit increases, Amex is more concerned with your history with them than other creditors. @Nada- 1st statement balance $900 2nd statement balance $525 I paid in full once my statement generated. I also have a Zync that was opened a couple of weeks before & I paid those right away. Hardly charged anything on the Zync (1 charge each cycle for under $20.) However, during the 1st billing cycle on the BCP I kept charging up to $2,000 & then returned stuff. $2,000 CL wasn't really cutting it- I had to split my Bloomingdales charges on 2 cards more than once. I only mention this bc ppl say that Amex likes ppl who spend a lot and that if you don't use the limit they started you with then you don't have a case for an increase. Not sure if I buy this line of thinking. (Wasn't trying to pull anything with the buying & returning it's just that the way Bloomingdales sakes wirk, you get a bigger percentage off if you charge more.) My income is pretty mid range. I had a green card 12 yrs ago for a few months but Amex has no record of it so essentially the Zync & BCP are my first Amexes.