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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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
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Frequent Contributor
Jayb5635
Posts: 328
Registered: ‎08-02-2012
0

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 $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011
0

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

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011
0

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.

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AMEX BCE...

Overall util is what matters in this case is my point lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
pastnow123
Posts: 132
Registered: ‎09-27-2011
0

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


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