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Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

American Eagle Upgrades

My daugter opened her American Eagle on April of 2012 and already got her automatic CLI from $700 TO $900. Does anyone know the limit to have in order for them to send you an upgrade notification for the VISA?


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: American Eagle Upgrades


BearsAndTurtlesRtheBest wrote:

My daugter opened her American Eagle on April of 2012 and already got her automatic CLI from $700 TO $900. Does anyone know the limit to have in order for them to send you an upgrade notification for the VISA?


Usually around 2K or above, YMMV of course.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: American Eagle Upgrades

thanks for the informartion now we can be aware.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: American Eagle Upgrades


BearsAndTurtlesRtheBest wrote:

thanks for the informartion now we can be aware.


It can also depend on your usage. If you use it alot and PIF they really like that and it could trigger an upgrade sooner than later.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: American Eagle Upgrades

[ Edited ]

LS2982 wrote:

BearsAndTurtlesRtheBest wrote:

My daugter opened her American Eagle on April of 2012 and already got her automatic CLI from $700 TO $900. Does anyone know the limit to have in order for them to send you an upgrade notification for the VISA?


Usually around 2K or above, YMMV of course.

 


i wonder if this is the same for ge cards. have the ae and walmart. 

walmart cl is 3k. 

 

a 18 year old girl came into the bank today with a ae visa =/ 

 

edit: corrected visa to ae card. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: American Eagle Upgrades


creditnocash wrote:

LS2982 wrote:

BearsAndTurtlesRtheBest wrote:

My daugter opened her American Eagle on April of 2012 and already got her automatic CLI from $700 TO $900. Does anyone know the limit to have in order for them to send you an upgrade notification for the VISA?


Usually around 2K or above, YMMV of course.

 


i wonder if this is the same for ge cards. have the visa and walmart. 

walmart cl is 3k. 

 

a 18 year old girl came into the bank today with a ae visa =/ 


I think its all about the same. Most upgardes happen after having the store card for 12-18 months good history and getting the CL close to 2K or above.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: American Eagle Upgrades

@LS2982 Ive heard that banks usually like it when you do that. Currently she is using it and PIF in two months and trying her best to keep it with a small balance.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: American Eagle Upgrades


BearsAndTurtlesRtheBest wrote:

@LS2982 Ive heard that banks usually like it when you do that. Currently she is using it and PIF in two months and trying her best to keep it with a small balance.


It's best to only charge what you can afford to PIF in a billing cycle with store cards because of their astronomical APR's. It would also look good to them that you can handle the account responsibly.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: American Eagle Upgrades


LS2982 wrote:

BearsAndTurtlesRtheBest wrote:

@LS2982 Ive heard that banks usually like it when you do that. Currently she is using it and PIF in two months and trying her best to keep it with a small balance.


It's best to only charge what you can afford to PIF in a billing cycle with store cards because of their astronomical APR's. It would also look good to them that you can handle the account responsibly.

 


+1 agree completely. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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