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Another Amex 61-day CLI success story

Frequent Contributor

Another Amex 61-day CLI success story

Approved for BCE on 7/5, reports to TU as opened 7/9. Called today and requested 3x CLI through the automated system, was approved for new $6,000 limit. My TU08 is 739 as of today. My reported utilization at my last Amex account review EX SP (August 13th) and promotional EQ SP (August 20th) was 71% on my Freedom ($3640/5000) and 0% on all other cards, for a combined 17% utilization. I do not see any new SPs so I am assuming they used the most recent one. The only other debt I have is deferred student loans (in school) and an auto loan that is over half paid off.

 

Were it not for the community here, I probably would have never even known to apply for this card, but I can see it is going to be instrumental in truly growing my credit profile. I just wanted to thank everyone for all of the advice and information given here. I will definitely be trying for the 3x CLI again in 6 months to get up to $18,000. Less than 3 months ago I had a combined CL of $8,050, and only a month before that, it was almost completely maxed out and I was making only minimum payments; By strategically using information from this site, I now have a combined CL of $24,850, and I haven't paid a cent in credit card interest or fees since May.

 

Again, thank you all so much for the continuous information and advice. It really has made a difference both for me and for many other people.

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14 REPLIES
Established Contributor

Re: Another Amex 61-day CLI success story

Congrats! Hoping to be approved for the BCP in the near future.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 2 of 15
Contributor

Re: Another Amex 61-day CLI success story

Fantastic and congrats! I have also really benefitted from the volume of info and good will I have found here as well.

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Message 3 of 15
Established Contributor

Re: Another Amex 61-day CLI success story

Congrats

Message 4 of 15
Regular Contributor

Re: Another Amex 61-day CLI success story

 
Message 5 of 15
Regular Contributor

Re: Another Amex 61-day CLI success story

Great job Sawmp! May I ask
How much you ran through the card and if you made multiple payments in one cycle?
Message 6 of 15
Established Contributor

Re: Another Amex 61-day CLI success story

That's awesome - congratulations!!

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 7 of 15
Frequent Contributor

Re: Another Amex 61-day CLI success story


Whereis750 wrote:
Great job Sawmp! May I ask
How much you ran through the card and if you made multiple payments in one cycle?

First cycle was a half cycle, put through and paid off $170 for a zero balance. Second cycle, put through $932 and slightly overpaid, ended with a negative balance. Had about $600 in posted/pending charges today when I called.

Message 8 of 15
Moderator Emeritus

Re: Another Amex 61-day CLI success story

Nice job!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 15
Valued Contributor

Re: Another Amex 61-day CLI success story

i wanna be another you Smiley Very Happy


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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