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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Amex BCP 61 day CLI Score!


lrdwilder wrote:

I've been told you can repoke the beast in 6 mos if declined from what I've read here......

 

As for poking the beast, its a soft pull so I see no reason why you shouldn't, I did have util that was good........one thing to remember in my eyes is that if you already have good util, by increasing the CL you will in reality droping your util again as if approved you will have more credit.

 

 


+1




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 Member
Ridbidge
Posts: 47
Registered: ‎08-06-2011
0

Re: Amex BCP 61 day CLI Score!


dmbtay wrote:

i tried on Monday this week...and was declined :smileysad: (with income well into the 100s).  caviat is I probably should have waited considered i just paid off the balance from our honeymoon this month, as well as PIF all our balances on all cc's (50% utilization > 0%).  I am hoping this puts things in a much better light :smileyhappy:Do you know if i have to wait a specific amount of time post decline?


I have read on multiple threads here that you can reapply for a CLI after a decline once 90 days have passed since the declined CLI request.  You must wait 6 months to request another CLI after you receive an approved CLI.

Amex BCP 02/12 $1200/$14700, Citi Forward 2/12 $4800/$7000, Chase Freedom 2/12 $2200/$7000, GECRB/QVC 03/11 $0/$2700, WFCB/HSN 03/11 $0/$2000, Cap 1 NHCR 04/10 $0/$1500, Cap 1/Kohls 11/10 $0/$1000, Citi Simplicity 08/11 $0/$1000, WFNNB/KingSize 11/10 $116/$900, Citi/Sunoco 04/10 $0/$800, Citi/Home Depot 10/11 $0/$1500, SunTrust Auto Loan 11/10 $39,376/$47,914 RECENTLY CLOSED: HSBC/Orchard 04/09 $0/$700, HSBC/BBRZMC 04/11 $0/$500...

**HAPPILY GOING INTO THE GARDEN NOW FOR YEARS!** EX FICO 773 02/27 Amex Pull/ TU myFICO 798 02/29 / EQ myFico 778 02/29
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Amex BCP 61 day CLI Score!

OP - WOW!  that's an amazing CLI and CL!  Congrats!

Hey everyone - I called Amex this week and was told my actual account opening was Jan 9th.  Today puts me at 62 days.  Do you think I should wait till Monday to apply for the CLI or just go for it.  Does applying on weekend make much difference?  Thanks!


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, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Amex BCP 61 day CLI Score!


improvingmycredit wrote:

OP - WOW!  that's an amazing CLI and CL!  Congrats!

Hey everyone - I called Amex this week and was told my actual account opening was Jan 9th.  Today puts me at 62 days.  Do you think I should wait till Monday to apply for the CLI or just go for it.  Does applying on weekend make much difference?  Thanks!


I'd wait until Monday.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
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Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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