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Established Member
cyclesport45
Posts: 30
Registered: ‎01-19-2013

Balance or no, for Amex 61 day CLI?

I opened a Blue Sky in October (10K), and a BCP in November (5K, the Amex computer must have penalized me for opening the Blue Sky).  I will have 2 61 day CLI opportunities soon.  Am thinking I'd like a higher limit on the BCP, but will take what I can get.  What should the balance be pre CLI attempt?  Zero?  Let the full balance post, pay, then try the CLI?  Tactics, anyone?

Divorce. 9 years of Gardening. RESET BUTTON. December 2012; Chase Freedom(4.2K), Citi Diamond Preferred(2.9K), Chase Amazon(1.6K), Citi Thank You Preferred(4.5K). January 2013; DCU Platinum Rewards(5K), REI Visa(5K). November 2013, Amex Blue Sky(15K), Amex Blue Cash Preferred (5K), Crate & Barrel (1.5K)
Established Contributor
Uppingmyscore
Posts: 511
Registered: ‎12-28-2012

Re: Balance or no, for Amex 61 day CLI?

I would suggest reading the AMEX 3x CLI tread, plus you can only request a CLI one card at a time if memory serves me correct.  GL by the way today, I just went from $7,000 to $21,000 with 544 balance on my BCE.  

My Wallet: Amex Express BCE $21,000, Amex Express Blue Sky $2,000, Discover $10,000, Chase Freedom $4,000, Capital One $3,250, Barclay $6,300 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $8,500, Ashley's Furniture $6,000, Lowe's $4,000 (AU), Express Next $2,160, and Macy's Store Card (Joint Account) $1,300.

Last Application March 25, 2014. Score ranges 700+
Established Contributor
Uppingmyscore
Posts: 511
Registered: ‎12-28-2012

Re: Balance or no, for Amex 61 day CLI?

If I had to choose I would request it on the BCP since that limit is a lot lower than your other one.  

My Wallet: Amex Express BCE $21,000, Amex Express Blue Sky $2,000, Discover $10,000, Chase Freedom $4,000, Capital One $3,250, Barclay $6,300 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $8,500, Ashley's Furniture $6,000, Lowe's $4,000 (AU), Express Next $2,160, and Macy's Store Card (Joint Account) $1,300.

Last Application March 25, 2014. Score ranges 700+
Regular Contributor
JediNeo
Posts: 188
Registered: ‎11-22-2013

Re: Balance or no, for Amex 61 day CLI?

With both accounts opened only weeks apart I think you'll only be allowed to do the 60 CLI on one of the card. If you try it on both I think the second request well be denied. I could be wrong though.

My experience, high usage, low reported utilization (prepay before reporting) worked.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14 TU FICO 774 as of 7/15/14
Established Member
Danizzle
Posts: 43
Registered: ‎08-23-2013

Re: Balance or no, for Amex 61 day CLI?

I didn't get quite the full 3x while carrying a balance. I think it was $850/$5,500.

Scores: Exp 729, Eq 726, TU 762 (updated 10.13) All others are FICO as of 9.13
Goal: 760+ across the board

AmEx BCE $13.9k | USbank Cash+ $6.2k | Chase Sapphire $5k | Discover it $4.1k | Barclaycard Arrival $4k | Citi ThankYou Preferred $3.5k | Citi Simplicity $3.5k | Chase Freedom $2k | Citi Diamond Preferred $1.5k
Regular Contributor
Marcos8
Posts: 180
Registered: ‎05-31-2013

Re: Balance or no, for Amex 61 day CLI?

I let both of my statements cut with a balance and then PIF. My BCP had a zero balance when I did my CLI last week.

Valued Contributor
indiolatino61
Posts: 1,439
Registered: ‎11-10-2012

Re: Balance or no, for Amex 61 day CLI?


cyclesport45 wrote:

I opened a Blue Sky in October (10K), and a BCP in November (5K, the Amex computer must have penalized me for opening the Blue Sky).  I will have 2 61 day CLI opportunities soon.  Am thinking I'd like a higher limit on the BCP, but will take what I can get.  What should the balance be pre CLI attempt?  Zero?  Let the full balance post, pay, then try the CLI?  Tactics, anyone?


My BCE went from $10.5K to $20K with $0 reporting. I PIF just before the 61-day date. $20K is what I asked for, BTW.

 photo Logo-CreditCardCollection_zps46f2f9f7.jpgWmart (TU): 809, Disc it (TU): 809, CKarma (TU): 772, AmEx (EX): 755, CSesame (EX): 727, Quizz (EQ): 783, myFICO (EQ): 770.
Oldest: AmEx: 26Y-5M, AAoA: 7Y-6M, Utl: 2.73%, 12/24 Inq: 6/16, Income: $104k, Garden: 06/16/2014. Updated 07/23/2014.
Moderator
09Lexie
Posts: 24,441
Registered: ‎09-13-2012

Re: Balance or no, for Amex 61 day CLI?


JediNeo wrote:
With both accounts opened only weeks apart I think you'll only be allowed to do the 60 CLI on one of the card. If you try it on both I think the second request well be denied. I could be wrong though.

My experience, high usage, low reported utilization (prepay before reporting) worked.

It doesn't matter how long the accounts have been opened; you can only have 1 CLI per account in 180 days. 


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