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

AMEX CLI...thoughts

Here's the breakdown of my account.  Opened 10/05 with a 2k CL, called a month or two later and had it bumped to 4k.  May of this year they increased to 8k for me, without my request.  Then in July they up'd it again to 12k, again not per my request.  I want to CLI to get at least to 20k, just to make it look good.  I'm wondering if I should do it or wait, since it's been less than 6 months since my last CLI (even though it's been well over a year since i've initiated the CLI.)  What does everyone think?
 
TIA.
Valued Member
Posts: 35
Registered: ‎09-01-2007
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Re: AMEX CLI...thoughts

what is your credit score????
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: AMEX CLI...thoughts

Your FICO EX score, if nothing else, but it needs to FICO...
* 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
New Contributor
Posts: 55
Registered: ‎03-14-2007
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Re: AMEX CLI...thoughts

The last time I bought my Fico's were mid Sept but as of then they were:
 
TU: 668
EQ:  710
EX:  680
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
0

Re: AMEX CLI...thoughts



ChiTownTimmay wrote:
The last time I bought my Fico's were mid Sept but as of then they were:
 
TU: 668
EQ:  710
EX:  680


What is your current util% on this Amex card as well as all of your other revolving accounts? Also, how good is your payment history on all CCs. These factors count just as much as scores.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
New Contributor
Posts: 55
Registered: ‎03-14-2007
0

Re: AMEX CLI...thoughts

All of my CC's are between 1-15% util right now, i only have about a $200 bal on my AMEX currently.  I try to PIF as much as possible but I'm always sending in a lot more than the min.  I haven't made a late payment on any credit line in over 6 years.  Thanks.
Epic Contributor
Posts: 25,556
Registered: ‎10-23-2007
0

Re: AMEX CLI...thoughts

go online and request it through website... it shoots back instant... i bet you get it!
let us know
Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
0

Re: AMEX CLI...thoughts



ChiTownTimmay wrote:
All of my CC's are between 1-15% util right now, i only have about a $200 bal on my AMEX currently.  I try to PIF as much as possible but I'm always sending in a lot more than the min.  I haven't made a late payment on any credit line in over 6 years.  Thanks.


 
I say go for the gusto!

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
New Contributor
Posts: 55
Registered: ‎03-14-2007
0

Re: AMEX CLI...thoughts

What should I ask them to increase it to?  I'm at 12K right now, with a HHI this year at 140k.
 
Thanks.
Epic Contributor
Posts: 25,556
Registered: ‎10-23-2007
0

Re: AMEX CLI...thoughts

$20 or even 25k like you want
Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
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