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AMEX BCE...

Moderator Emeritus

Re: AMEX BCE...

The maxed citi card is a red flag, you should pay it down before applying, for the best chance of getting what you want.

Also, I agree with bs6054, you could be at 10k in less than a year, so why are you so stuck on at least a 3.5k limit.

I see a lot of approvals for 2k. I also see a lot of denials for high utilization...its a balancing act for sure!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 11 of 17
Established Contributor

Re: AMEX BCE...

Doesn't matter if its a low cl. Soft pull to triple your cl in 61 days, then once again every 6 months. I'm not sweating 1k at approval. Why ??? It'll become 3k in 61 days, then 9k in 6 months. Point is once your in, you'll get past 10k eventually.








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 12 of 17
Established Contributor

Re: AMEX BCE...


bs6054 wrote:

And what is the alternative?  Asking for CLI's on existing cards.

 

Even if the 61 day doesn't get you 10K, another after 6 more months should, so why not apply and see what you get?

 

Also, why is 10K so critical?  Is this for a definite need or for self-image!


I guess I could do that too. And me having 10k isn't for self-image...its a goal of mine. Kinda like weight...you wanna be a certain weight loss goal, and you do whatever you can to reach that. Similar thing here. I can care less about what others think. I just have it as a goal that i'm trying to reach. I feel like it would help me get to my Fico score goal which is above 750

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 13 of 17
Established Contributor

Re: AMEX BCE...


webhopper wrote:
The maxed citi card is a red flag, you should pay it down before applying, for the best chance of getting what you want.

Also, I agree with bs6054, you could be at 10k in less than a year, so why are you so stuck on at least a 3.5k limit.

I see a lot of approvals for 2k. I also see a lot of denials for high utilization...its a balancing act for sure!

right...which is why I decided to ask other for feedback to see if anybody had similar profiles and what their results were. I know its going to be a case by case basis, but at least it gives me an idea.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 14 of 17
Senior Contributor

Re: AMEX BCE...

I think you should go for it.
I had a nearly maxxed out (4500/5000)Freedom and nearly maxed out Trav Amex(5000/6500)

And I got a $3.5k lim and the 3xcli!
Maybe pay Citi below $4k. If you have $400-500 to pay it down...

Im thinking you have an 80% shot! If denied, it's a sp SINCE you have Amex Green :-)
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 15 of 17
Senior Contributor

Re: AMEX BCE...

Overall util is what matters in this case is my point 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 16 of 17
Regular Contributor

Re: AMEX BCE...

it's not as difficult as you think. I got my AMX costco w/ CL of 2k. increased to 6k in 2 month and 18k in 8 month. As long as you manage ur cc properly, AMX is pretty generous toward granting cl

Message 17 of 17