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AMEX 61 day CLI in relation to App Spree

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Dw4250
Valued Contributor

AMEX 61 day CLI in relation to App Spree

So AMEX Delta and BCE were the Ist two cards I obtained in my app spree at the beginning of March. I have added 5 other TLs in addition to my two AMEX. My EX scores is now -18 from when I was initially approved (due to all the new INQ/TL).

I'm going for an 3x CLI with the Delta in a couple days...my question is will all my recent TLs be a red flag for denial? My UTL is good ($0 reporting on everything except for Lowes because I took advantage of a 18 mos at 0% promotion to carpet part of my house). Overall UTL is 9%. I have put heavy use on both AMEX and PIF everything.

Also... I have the money to pay Lowes in full...should I pay and let report before applying for the CLI with AMEX, or is 9% an "tolerable" level of debt ?
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youngandcreditwrthy
Senior Contributor

Re: AMEX 61 day CLI in relation to App Spree

It's a long shot,

 

but with your util, you should at least get some kind of cli.

 

I got 2 3xcli from Amex, but I was completely new account and app free for like 5-6 months.

 

 

Now Amex denies me for any little reason when I try to get a cli, but I've gotten 30k+ outta them LOL

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 3
Dw4250
Valued Contributor

Re: AMEX 61 day CLI in relation to App Spree


@youngandcreditwrthy wrote:

It's a long shot,

 

but with your util, you should at least get some kind of cli.

 

I got 2 3xcli from Amex, but I was completely new account and app free for like 5-6 months.

 

 

Now Amex denies me for any little reason when I try to get a cli, but I've gotten 30k+ outta them LOL


Thx youngandcreditwrthy.  I won't hold my breath.  

 

I will be asking for a 2K to 6K (which would put it around where my other card's limits are).  But they may see all my recent new TL's and wonder why I would need/want more.  

 

I actually don't 'need' more, but it would be nice to have the Delta Skymiles (now with no FTF!) with a decent limit to complement my BOA Travel Rewards Visa Sig for my trip to Europe this summer.  I know AMEX is less widely accepted in the EU, but I should be able to use it some in Paris and Rome, and also with car rentals...

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