@MTSN wrote:I recently opened the Costco Amex card since I do most of my shopping there and having a vehicle that gets 12mpg the gas rewards add up. I had recently done an app spree after closing on my first house and was able to get a few nice cards with good limits, so I definitely did not "need" the Amex card. As such, I didn't really mind if I did not get a CLI after 61 days, so I figured I would test the system to see if carrying a balance affected the outcome. I have ~5% util across the board except on the Amex. I bought a few things at Christmas time that I have been paying slowly to take advantage of the 6 months 0% interest and currently have a balance of $2900 out of an $8600 limit. I have run through a total of around $8k and paid down ~$5k of it.
I did the CLI for $24k after about 70 days of having the card open and was given the 7-10 day message which I presume is nearly always a denial. Like I said I didn't need the CLI at all but was curious what the effect was of having a balance when requesting it, and it appears that does cause a high likelihood of denial for CLI. I'll pay the balance in full within the next couple months before the 0% expires and try the CLI request again in 6 months just for kicks.
@MTSN wrote:I recently opened the Costco Amex card since I do most of my shopping there and having a vehicle that gets 12mpg the gas rewards add up. I had recently done an app spree after closing on my first house and was able to get a few nice cards with good limits, so I definitely did not "need" the Amex card. As such, I didn't really mind if I did not get a CLI after 61 days, so I figured I would test the system to see if carrying a balance affected the outcome. I have ~5% util across the board except on the Amex. I bought a few things at Christmas time that I have been paying slowly to take advantage of the 6 months 0% interest and currently have a balance of $2900 out of an $8600 limit. I have run through a total of around $8k and paid down ~$5k of it.
I did the CLI for $24k after about 70 days of having the card open and was given the 7-10 day message which I presume is nearly always a denial. Like I said I didn't need the CLI at all but was curious what the effect was of having a balance when requesting it, and it appears that does cause a high likelihood of denial for CLI. I'll pay the balance in full within the next couple months before the 0% expires and try the CLI request again in 6 months just for kicks.
Call them and see whats up with the CLI could be something very simple.. Good luck 
