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Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

BCE CLI Questions

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.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Established Contributor
Posts: 554
Registered: ‎09-28-2012
0

Re: BCE CLI Questions

[ Edited ]

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!!!


Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: BCE CLI Questions

Yeah, request it May 9th.

I used like 20% of my limit and pif'd the first two months to get my 3xcli!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Re: BCE CLI Questions

I read the sticky already. According to the calculation, 8th would be the 61st day. How do I check if they updated soft pull?

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: BCE CLI Questions

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.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Re: BCE CLI Questions

I got no apr for 1.5 yrs and 12.99 after, i think thats the best term, correct me if I'm wrong.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Member
Posts: 8
Registered: ‎03-08-2013
0

Re: BCE CLI Questions

You need to make sure if the 0 APR is on purchases or BT. I've seen several surprises there.

Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: BCE CLI Questions

I used my card for less than $1,000, made 2 payments and scheduled another from my bank account, and got the full 3x CLI from 4.5k to 13k.

Based on what I did, just use your card as you plan to use it, pay in full multiple times, and hope for the best! Good luck!

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Frequent Contributor
Posts: 436
Registered: ‎09-08-2010
0

Re: BCE CLI Questions

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

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Re: BCE CLI Questions

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.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
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