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Amex exposure/income question

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isoldmyatlas
Frequent Contributor

Amex exposure/income question

I have 3 Amex cards: a Green, a BCE, and a Hilton.  My Green and Hilton are both at 4K.  I charge pretty regulary on both (not a lot of money, most transactions are $20 or less and the most I've ever put on my BCE in 1 month was about $350 total) and pay in full every month.

 

Anyway, I'll be due for my next 3x increase on July 8th.  My income is $41k.  Basically, I'm wondering if you think I'd have a shot at a full 3x increase (I'd probably request it on my BCE since it'd be more useful there) even though my income isn't high and my spending levels aren't high, either.

 

Anyone have any experience with this?

TU: 793 (6/13/17) | EQ: 787 (7/17/17) | EX: 788 (6/15/18)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $40,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Citi Home Depot $8,000 (06/2018)
Message 1 of 3
2 REPLIES 2
LS2982
Mega Contributor

Re: Amex exposure/income question


@isoldmyatlas wrote:

I have 3 Amex cards: a Green, a BCE, and a Hilton.  My Green and Hilton are both at 4K.  I charge pretty regulary on both (not a lot of money, most transactions are $20 or less and the most I've ever put on my BCE in 1 month was about $350 total) and pay in full every month.

 

Anyway, I'll be due for my next 3x increase on July 8th.  My income is $41k.  Basically, I'm wondering if you think I'd have a shot at a full 3x increase (I'd probably request it on my BCE since it'd be more useful there) even though my income isn't high and my spending levels aren't high, either.

 

Anyone have any experience with this?


It's possible. They may counter with a smaller CLI.

 

Good luck!!!




EQ FICO 548 3/3/16
Message 2 of 3
webhopper
Moderator Emeritus

Re: Amex exposure/income question

I agree with Ls. You should try for it and let them counter
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 3 of 3
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