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I recieved my card today, omg its beautiful! Anyways, it shows that my account was opened on March 8th, so according to my calculation I can apply on the 8th of May. My question is, do you guys PIF before or after the statement cuts?In other words, do you let the balance post for those two statements?
Members who has done CLI with BCE, if you could chime in, I greatly appreciate it.
@CredittotheMax wrote:I recieved my card today, omg its beautiful! Anyways, it shows that my account was opened on March 8th, so according to my calculation I can apply on the 8th of May. My question is, do you guys PIF before or after the statement cuts?In other words, do you let the balance post for those two statements?
Members who has done CLI with BCE, if you could chime in, I greatly appreciate it.
Remember you need to wait 61 days. Also there is an amex sticky that explains the 3x cli process. Also you may want to wait untill an updated sp from amex depending on the timing of your 61th day.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
I read the sticky already. According to the calculation, 8th would be the 61st day. How do I check if they updated soft pull?
ah I was assuming both months had 30 days LOL...
Check your EXP report..
you can get it for free if they didnt give you the best terms..
or if you need to dispute something.
I got no apr for 1.5 yrs and 12.99 after, i think thats the best term, correct me if I'm wrong.
You need to make sure if the 0 APR is on purchases or BT. I've seen several surprises there.
My personal experience was, after I activated my card i used it in place of my debit card . The first billing cycle i paid more than 1 payment to keep the util low, but then just used it and paid it. I did let a balance (small, a little over 1%) report right before i requested my first 3x cli. as i said i my newest thread, i just requested my 2nd 3x and it was approved as well. first one was 61 days after activation, second was 6 months (plus a few days) after the first cli (not 6 months after activation). use it, take care of it, and it will grow with you
I'm gonna use less than 20% and PIF before statement cut. I been seeing people getting denied lately so I'm just a little worried.