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Contributor
Posts: 96
Registered: ‎05-10-2008
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CLI Advice on Discover and Amex

I recently got the Discover and Amex Blue Sky. Can you lend some advice on how to get a CLI on these cards (e.g., do they like heavy usage, etc...) ? Thanks

 

 

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
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Re: CLI Advice on Discover and Amex

 


mahendra82 wrote:

I recently got the Discover and Amex Blue Sky. Can you lend some advice on how to get a CLI on these cards (e.g., do they like heavy usage, etc...) ? Thanks

 

 


Congratulations!  Those are two nice cards to have.  Discover gives auto CLIs every 3 months to many new cardmembers..  Significant, but heavy usage isn't required.     You'd have to request a CLI from AMEX after 6 months.  Significant, but heavy usage isn't required.  Pay in full monthly and you'd be fine and liked by them both. 

 

Epic Contributor
Posts: 25,833
Registered: ‎10-23-2007
0

Re: CLI Advice on Discover and Amex

 


mahendra82 wrote:

I recently got the Discover and Amex Blue Sky. Can you lend some advice on how to get a CLI on these cards (e.g., do they like heavy usage, etc...) ? Thanks

 

 


Amex also allows you to ask for up to 3x current CL when requesting CLI.

 

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Contributor
Posts: 96
Registered: ‎05-10-2008
0

Re: CLI Advice on Discover and Amex

Thanks everyone. Does requesting for a CLI on Amex increase the likelihood of an FR?

 

Also, are there any particular merchants I should shy away from when using these cards?

Epic Contributor
Posts: 25,833
Registered: ‎10-23-2007
0

Re: CLI Advice on Discover and Amex

 


mahendra82 wrote:

Thanks everyone. Does requesting for a CLI on Amex increase the likelihood of an FR?

 

Also, are there any particular merchants I should shy away from when using these cards?


No and No in my opinion. but lots of people with probably speculate.

 

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Valued Contributor
Posts: 1,157
Registered: ‎05-21-2008
0

Re: CLI Advice on Discover and Amex

In my experience, Discover likes you to use the crap out of your card.

 

No idea on AMEX.  I've never gotten a CLI, never asked, but I don't spend anything on the card.


Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


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Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: CLI Advice on Discover and Amex

 


mahendra82 wrote:

Thanks everyone. Does requesting for a CLI on Amex increase the likelihood of an FR?

 

Also, are there any particular merchants I should shy away from when using these cards?


You can use your card at any business that accepts American Express cards. 

 

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: CLI Advice on Discover and Amex

 


mahendra82 wrote:

Thanks everyone. Does requesting for a CLI on Amex increase the likelihood of an FR?

 

Also, are there any particular merchants I should shy away from when using these cards?


What makes you think of an FR? Do you have something that you stated incorrectly in your application? As long as you have atleast 1 more card to cover you if you get FR'ed, and you did not lie about your income, you should be all set.

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Contributor
Posts: 96
Registered: ‎05-10-2008
0

Re: CLI Advice on Discover and Amex

It just seems like a lot of things trigger an FR from Amex. From reading the postings here, my priors put a high weight on the likelihood of an FR contingent on drawing attention to your account. I'd rather not go through that process. 

Valued Contributor
Posts: 1,157
Registered: ‎05-21-2008
0

Re: CLI Advice on Discover and Amex

IMO, the AMEX FR hype is well overstated.  Nobody ever comes on here and says, "I've been spending wildly and well outside my normal spending pattern and have yet to experience an FR."

 

Well I, for one, have a very erratic spending pattern.  I use it for business travel, so I will go up to 6 months with no usage, then spend $2000 in the matter of a two-week period, and have never heard a peep out of AMEX.


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Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


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