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AMEX CLI- what would you do?

Established Contributor

Re: AMEX CLI- what would you do?

I think you should just ask for an increase using the automated system.  I can't see much harm in it, if denied just try again after 3/6 months or however long you need to.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 11 of 25
Valued Contributor

Re: AMEX CLI- what would you do?

That's Awesome! Congrats! I am very happy for you and that's a great card to have!

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 12 of 25
Valued Contributor

Re: AMEX CLI- what would you do?


improvingmycredit wrote:
That's Awesome! Congrats! I am very happy for you and that's a great card to have!

I love the card. At least the limit is now more than I spend on it in a month. I will be able to pay once or twice a month now instead of every week! You can't beat 6% cash back on groceries.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 13 of 25
Valued Contributor

Re: AMEX CLI- what would you do?

I agree 100%! If spend just $25 a week on groceries you pay for the AF. Everything else is cake! Now at least it's not going to harm your utility too much if you decide to revolve a balance for a month or 2 on it. Smiley Happy
Super Congrats! I kinda live viacariously through others here. I'm as happy about your CLI as you are. Haha!

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 14 of 25
Valued Contributor

Re: AMEX CLI- what would you do?


improvingmycredit wrote:
I agree 100%! If spend just $25 a week on groceries you pay for the AF. Everything else is cake! Now at least it's not going to harm your utility too much if you decide to revolve a balance for a month or 2 on it. Smiley Happy
Super Congrats! I kinda live viacariously through others here. I'm as happy about your CLI as you are. Haha!

Thanks. Share my joy all you want!  Smiley Very HappySmiley LOLSmiley Very Happy

 

I will vicariously share your FICO's if you don't mind! I will celebrate them. Smiley Very Happy


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 15 of 25
Regular Contributor

Re: AMEX CLI- what would you do?


improvingmycredit wrote:
I agree 100%! If spend just $25 a week on groceries you pay for the AF. Everything else is cake! Now at least it's not going to harm your utility too much if you decide to revolve a balance for a month or 2 on it. Smiley Happy
Super Congrats! I kinda live viacariously through others here. I'm as happy about your CLI as you are. Haha!

I spend $25 a week on my lunches for work.


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Message 16 of 25
Valued Contributor

Re: AMEX CLI- what would you do?

LOL! I've seen some FICOs on here too that I wish they'd share. LOL! BTW- your FICOs are pretty good on their own.

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 17 of 25
Regular Contributor

Re: AMEX CLI- what would you do?

I recently got the amex everyday (3% groceries) but  can't justify not shopping at walmart.  It's closer to my house and the prices are lower than any other grocery store in the area hands down.  Other than the usual arguments the people are weird long lines etc the quality is the same and my grocery bill is lower.  Has anyone seen this argument?  I love getting cashback but I don't see anyway to justify it.  Also, I'm afraid to use AMEX at walmart in general for AA.  I use the cap1 1.5% Smiley Happy

Message 18 of 25
Valued Contributor

Re: AMEX CLI- what would you do?

Hey psychoinhell! I try to use my card when ever I need gas or groceries/department store purchases. Just makes for a better return on the cash back. Just an FYI- thought it was funny that the auto correct feature on my iPad corrected your name to "psychotic hell". LOL.

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 19 of 25
Valued Contributor

Re: AMEX CLI- what would you do?


improvingmycredit wrote:
LOL! I've seen some FICOs on here too that I wish they'd share. LOL! BTW- your FICOs are pretty good on their own.


My FICO's are improving. I only have one baddie (30d from DEC08).  The numbers are down because I ran up too much debt. Lots of contributing factors to why, but the bottom line is it is there, and I am working on making it go away.  I am on the right track, and need to stay persistant and keep chugging away on it.

 

Of course nobody told "LIFE" that.  This week we need to get the transmission rebuilt on the car the teenager is driving. $$$$$  Not much reduction going to go on this month.  Smiley Frustrated


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 20 of 25