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New Contributor
Posts: 95
Registered: ‎04-02-2012
0

Amex BCE 3x CLI!! WOOT!

I've been rebuilding for a few years now and gardening (mostly) for about 5 months now and hadn't really been keeping up with reading and research and what not lately. So I hadn't realized that after 61 days from activation I could/should do the online CLI request. So I read.... I think... I apply for 3X from 2k to 6k...hit the button... BAM! 6K credit limit! I nearly fell off my chair!:smileysurprised:

 

My total utilization was 37% (three cards, no loans) and my Amex utilization was about 25%. I've been using it for some bills and stuff and I did get it up over 50% at least once I remember.

 

I'm looking for a $10k or so auto loan in several months and so I want to get my accounts utilizations down and let them simmer and report. This more than doubles my total available credit and my overal utilizatoin dives to 16% and it was just a soft pull. :smileytongue:

 

Thanks AMEX! And thanks to these forums! Although I'd like a lower rate (22%) I'm more than happy with how I've been treated and they're like miricle grow for my credit.

 

Question: Since this isn't a newly opened account and there was no hard pull I can't imagine it could have any negative effect on my report at all. Am I right?

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Amex BCE 3x CLI!! WOOT!

That´s a very nice shot right here :smileyhappy: Congrats OP, waiting to do similar with mine. I don´t think being a newly opened account would matter at all. It was SP so no harm done.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Amex BCE 3x CLI!! WOOT!

congrats! one more month and i get to ask for my cli!!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Amex BCE 3x CLI!! WOOT!


Funk-O-Meter wrote:

I've been rebuilding for a few years now and gardening (mostly) for about 5 months now and hadn't really been keeping up with reading and research and what not lately. So I hadn't realized that after 61 days from activation I could/should do the online CLI request. So I read.... I think... I apply for 3X from 2k to 6k...hit the button... BAM! 6K credit limit! I nearly fell off my chair!:smileysurprised:

 

My total utilization was 37% (three cards, no loans) and my Amex utilization was about 25%. I've been using it for some bills and stuff and I did get it up over 50% at least once I remember.

 

I'm looking for a $10k or so auto loan in several months and so I want to get my accounts utilizations down and let them simmer and report. This more than doubles my total available credit and my overal utilizatoin dives to 16% and it was just a soft pull. :smileytongue:

 

Thanks AMEX! And thanks to these forums! Although I'd like a lower rate (22%) I'm more than happy with how I've been treated and they're like miricle grow for my credit.

 

Question: Since this isn't a newly opened account and there was no hard pull I can't imagine it could have any negative effect on my report at all. Am I right?


CONGRATS!!!

 

Awesome CLI!!

 




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
Contributor
Posts: 92
Registered: ‎06-16-2012
0

Re: Amex BCE 3x CLI!! WOOT!

Awesome! Looking forward to that day myself :-)

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
New Contributor
Posts: 95
Registered: ‎04-02-2012
0

Re: Amex BCE 3x CLI!! WOOT!

Yea I've been kind of going for it and being aggressive with my apping the last 6 months or so and to my true amazement I've not been denied once. I expected to get denied when I apped for the AMEX in the first place and they gave me a 2k limit! Then I honestly expected them to come back with a smaller CLI offer or request more info but they just approved it. I peed down my leg a little.

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Valued Contributor
Posts: 1,954
Registered: ‎08-13-2007
0

Re: Amex BCE 3x CLI!! WOOT!

Congrats! The 3x jump is awesome.  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Amex BCE 3x CLI!! WOOT!

lol nice, can't wait to get this card.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 791
Registered: ‎08-30-2011
0

Re: Amex BCE 3x CLI!! WOOT!

Congrats.  You are right about Amex being miracle grow for credit.  As soon as I got my $6000 BCP, Discover, Bank of America and GECRB followed suit.  BoA and Discover raised to 6K.  GECRB then gave me insane limits on my Amazon and wally cards.  All in 1-2 months since getting the Amex revolver.  Higher limits 100% beget higher limits.

 

Now I just have to work on Chase...

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Amex BCE 3x CLI!! WOOT!


flowfaster wrote:

Congrats.  You are right about Amex being miracle grow for credit.  As soon as I got my $6000 BCP, Discover, Bank of America and GECRB followed suit.  BoA and Discover raised to 6K.  GECRB then gave me insane limits on my Amazon and wally cards.  All in 1-2 months since getting the Amex revolver.  Higher limits 100% beget higher limits.

 

Now I just have to work on Chase...


That is very nice to know, grats!!

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
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