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Amex cli with balance

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taxi818
Super Contributor

Amex cli with balance

Hello all. I'm not convinced of all the paranoid myfico members. Tomorrow is my 61 day 3x cli date. Have a 3500 starting limit. Hoping to get the full 3x. 10.500. I have a balance on my card.  About 500 dollars. Or about 14% utilization. Will see if true or not when. Ask. If they decline. No big deal. I will pay in full and ask again in 91 days.  I will leave the data points for others to know. Thanks all and any advice welcomed. 

Message 1 of 46
45 REPLIES 45
Anonymous
Not applicable

Re: Amex cli with balance

I got both my BSP CLIs with a balance showing.

$1,000/$5,000 when CLI to $7,000

$2,200/$7,000 when CLI to $12,000

Hope that helps... Smiley Happy
Message 2 of 46
sunkissed
Established Contributor

Re: Amex cli with balance

taxi818, I also got increases with  balances on both of my AMEX cards this year .  I don't think you'll have any trouble at all.  Good luck!

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 3 of 46
taxi818
Super Contributor

Re: Amex cli with balance


@Anonymous wrote:
I got both my BSP CLIs with a balance showing.

$1,000/$5,000 when CLI to $7,000

$2,200/$7,000 when CLI to $12,000

Hope that helps... Smiley Happy

Thanks Nixon. So many naysayers here. 

Message 4 of 46
taxi818
Super Contributor

Re: Amex cli with balance


@sunkissed wrote:

taxi818, I also got increases with  balances on both of my AMEX cards this year .  I don't think you'll have any trouble at all.  Good luck!


Thank you. I hope so 

Message 5 of 46
lg8302ch
Senior Contributor

Re: Amex cli with balance

I did both CLIs on Amex with balances and had even balances on my other cards. It did not scare Amex and they approved everything I asked for. Good luck !

Message 6 of 46
chalupaman
Super Contributor

Re: Amex cli with balance

You'll be fine. I also had a balance, put a lot of spend on my Amex gold and got my limit doubled (counteroffer) and gof approved for an ED card with the lowest APR after the promo date.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 46
chalupaman
Super Contributor

Re: Amex cli with balance

*got approved a few days after

By gold I meant the delta card. Sorry was typing from my phone.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 46
Anonymous
Not applicable

Re: Amex cli with balance

I just did my first cli this morning. 6k -> 10k. Instant approval. Could have probably gotten 18k, but decided not to push it for now.

Message 9 of 46
Anonymous
Not applicable

Re: Amex cli with balance


@jroc556 wrote:

I just did my first cli this morning. 6k -> 10k. Instant approval. Could have probably gotten 18k, but decided not to push it for now.


They counter...

 

I asked for the full $21,000 and was only given $12,000 -- Ironically though, when I go to check spending ability i'm approved to spend up to $21,000.

 

Message 10 of 46
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