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Moderator Emeritus
fused
Posts: 16,351
Registered: ‎03-12-2007
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Re: AMEX CLI...thoughts



ChiTownTimmay wrote:
What should I ask them to increase it to?  I'm at 12K right now, with a HHI this year at 140k.
 
Thanks.



Does a FR worry you? If not, 25K is good.
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

New Contributor
ChiTownTimmay
Posts: 55
Registered: ‎03-14-2007
0

Re: AMEX CLI...thoughts

I'm a little concerned about the F/R.  Not because I don't think I'll pass it, I haven't given any false information, I just don't like the idea of going to use my AMEX and then all of a sudden it's denied and I look like a fool. 
Mega Contributor
Creditaddict
Posts: 19,570
Registered: ‎10-23-2007
0

Re: AMEX CLI...thoughts

from what other people have been reporting, it doesn't look like they do the FR until you clear 25k limit
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Moderator Emeritus
fused
Posts: 16,351
Registered: ‎03-12-2007
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Re: AMEX CLI...thoughts



Creditaddict wrote:
from what other people have been reporting, it doesn't look like they do the FR until you clear 25k limit



Yes, this is widely considered to be one of the triggers for a FR.
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

New Contributor
ChiTownTimmay
Posts: 55
Registered: ‎03-14-2007
0

Re: AMEX CLI...thoughts

Then I'll just shoot for 20k and see what happens.
 
Thanks all!
New Contributor
ChiTownTimmay
Posts: 55
Registered: ‎03-14-2007
0

Re: AMEX CLI...thoughts

Well, I did it.  I didn't want to get greedy though, because as much as I know I'll pass an FR that still doesn't mean I want to fall victim to one.  :smileyhappy:  I went for 17,000, 5k more than my limit now and got it.  So, of course, I'm thinking to myself that I should have gone for 20k just to see if I would get it or not, but that's ok.  I'm happy now!  Thanks to all for the input!
Frequent Contributor
TheCynicalOne
Posts: 741
Registered: ‎11-05-2007
0

Re: AMEX CLI...thoughts

Should have went for 20,000.
 
But no looking back now.
 
Just wait for 6 months and go for 22,000!
Time is credit's best friend...it can heal any wound.
Frequent Contributor
dangphuocloc72
Posts: 341
Registered: ‎04-17-2007
0

Re: AMEX CLI...thoughts

:smileyhappy: I open Amex on 9/07 cl 1000 I keep hit lov button 5 time in 2 month for cl uup , they keep say no . final today I hit love again my cl now 2500 . " last month max out my CL 1000 and then sent the check to them on 11/02/07 befor they close 11/05/07 also I add my wife ( she very bad credit . score 400 ) they approve for her " I am very happy now , I should wait for next month ask My CL up again , thanks you guys .
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: AMEX CLI...thoughts



dangphuocloc72 wrote:
:smileyhappy: I open Amex on 9/07 cl 1000 I keep hit lov button 5 time in 2 month for cl uup , they keep say no . final today I hit love again my cl now 2500 . " last month max out my CL 1000 and then sent the check to them on 11/02/07 befor they close 11/05/07 also I add my wife ( she very bad credit . score 400 ) they approve for her " I am very happy now , I should wait for next month ask My CL up again , thanks you guys .

Congratulations! I hadn't seen your name around recently--glad to hear that everything's going well.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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