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Super Contributor
longtimelurker
Posts: 6,056
Registered: ‎04-22-2013
0

BCE "Invisible" CLI

A month or two ago, my daughter (19) got a BCE with a $1K CL.  Soon after she got it, I remembered that she had been an AU on my card since the previous year, so she asked Amex to update and she got  a 2012 card.   She hasn't used it at all.  But today when she logged on to check something else, we see the CL is now $8K.   She didn't get any notification about this so it was surprising.   She didn't keep the carrier the replacement card came in, I guess it could have been updated there.   But I assume backdating by a few months doesn't normally cause a CLI.

 

So new rule:  Don't use your card at all and Amex will give you an 8x CLI after a month (or less!)

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013
0

Re: BCE "Invisible" CLI

Wow. Lucky her!
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



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Senior Contributor
myjourney
Posts: 25,552
Registered: ‎02-07-2013
0

Re: BCE "Invisible" CLI


longtimelurker wrote:

A month or two ago, my daughter (19) got a BCE with a $1K CL.  Soon after she got it, I remembered that she had been an AU on my card since the previous year, so she asked Amex to update and she got  a 2012 card.   She hasn't used it at all.  But today when she logged on to check something else, we see the CL is now $8K.   She didn't get any notification about this so it was surprising.   She didn't keep the carrier the replacement card came in, I guess it could have been updated there.   But I assume backdating by a few months doesn't normally cause a CLI.

 

So new rule:  Don't use your card at all and Amex will give you an 8x CLI after a month (or less!)


Now you tell me Lol

Congrats to DD

"Intelligence plus character--that is the goal of true education"
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Last 5 apps 6/6/13
Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011
0

Re: BCE "Invisible" CLI


longtimelurker wrote:

A month or two ago, my daughter (19) got a BCE with a $1K CL.  Soon after she got it, I remembered that she had been an AU on my card since the previous year, so she asked Amex to update and she got  a 2012 card.   She hasn't used it at all.  But today when she logged on to check something else, we see the CL is now $8K.   She didn't get any notification about this so it was surprising.   She didn't keep the carrier the replacement card came in, I guess it could have been updated there.   But I assume backdating by a few months doesn't normally cause a CLI.

 

So new rule:  Don't use your card at all and Amex will give you an 8x CLI after a month (or less!)


are you kidding me??!! A 19 yr old has an 8k CL!! LOL haha. Woah! HUGE congrats to her! I'm 23 and I don't even have a limit of 8k! :smileysad:

 

You've taught your daughter well :smileywink: lol

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: BCE "Invisible" CLI

Wow! Congrats to your dd! Nice cl!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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09Lexie
Posts: 25,017
Registered: ‎09-13-2012
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Re: BCE "Invisible" CLI

Valued Contributor
MsLadyRover
Posts: 2,811
Registered: ‎03-14-2012
0

Re: BCE "Invisible" CLI

Very nice increase.  Congrats to your DD!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Super Contributor
longtimelurker
Posts: 6,056
Registered: ‎04-22-2013
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Re: BCE "Invisible" CLI

So before I saw this, I had told her to apply for the 3x CLI after 61 days.  Guess now we will wait, as even though she didn't ask for a CLI, whenever she got it might restart the clock.

 

She might even use the card from time to time, although for most of purchases Cap One and Citi give more rewards.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: BCE "Invisible" CLI

Way to go simply awesome:smileyhappy:


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