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Valued Contributor
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Registered: ‎08-30-2011
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GOTTA be a typo, LOL!!!!

[ Edited ]

Just requested a CLI on my AMEX Clear card, got the "Congratulations you've been approved" message, got what I thought was an increase to $10000 from $6000. 

 

Also just got an email from AMEX confirming my CLI....to $1,000,000 ! ! !   Yes, that's right...ONE MILLION DOLLARS!  Cash advance limit is $90K!! 

 

NOT going out on a spending spree, though.  Can you imagine what this will do to my current 8% utilization???   :smileylol:

 

Should I expect an invite for that Centurion Card I've had my eye on ???  :smileyhappy:

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Valued Contributor
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Registered: ‎08-13-2009
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Re: GOTTA be a typo, LOL!!!!

LOVE it!!!

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Registered: ‎12-30-2011
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Re: GOTTA be a typo, LOL!!!!

Hah.  I'm tempted to say "Pics or it didn't happen!" (OK so I sorta did there), but I'm pretty certain that's a bug on their part.  Out of curiosity what does it say in their online interface?

 

Not sure what I'd do in that situation, think if it were still in the online interface I'd be terribly conservative and calling them and suggest that it's a mistake; however, another part of me would keep quiet and see if it got placed on my credit report as such and frame it for style points and long-term giggles.

 

Congrats regardless though, but yeah, that 8% utilization just got nuked from orbit hah.  Good luck even maintaining 1-2% now :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Re: GOTTA be a typo, LOL!!!!

Lol nice

Valued Contributor
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Re: GOTTA be a typo, LOL!!!!


Revelate wrote:

Hah.  I'm tempted to say "Pics or it didn't happen!" (OK so I sorta did there), but I'm pretty certain that's a bug on their part.  Out of curiosity what does it say in their online interface?

 

Not sure what I'd do in that situation, think if it were still in the online interface I'd be terribly conservative and calling them and suggest that it's a mistake; however, another part of me would keep quiet and see if it got placed on my credit report as such and frame it for style points and long-term giggles.

 

Congrats regardless though, but yeah, that 8% utilization just got nuked from orbit hah.  Good luck even maintaining 1-2% now :smileyhappy:.


LOL, yeah was thinking about doing a cut/paste of the letter from AMEX. 

 

I did just check my account on line, it's showing the $10K CLI, not $1M :smileyembarrassed:

 

But hey, I'm good with the $10K instant approval! 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
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Registered: ‎04-09-2011
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Re: GOTTA be a typo, LOL!!!!

http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1...

 




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
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Re: GOTTA be a typo, LOL!!!!


LS2982 wrote:

http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1...

 



Sorry that you think I'm "full of it" , I was simply trying to provide a bit of humour at American Express' expense. Many people seem to think they are infallible.   I fully realise that it was a mistake on their part.  That does not negate the fact that I did, in fact, get a letter stating this and still have it, and if you'd like to see proof I can sure do that cut/paste thing. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Valued Contributor
Posts: 1,465
Registered: ‎08-30-2011
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Re: GOTTA be a typo, LOL!!!!

[ Edited ]

American Express  

PO Box 30374

Salt Lake City, UT 84130

 
 

October 14, 2012

 

 

Reference:  XXXX-XXXXXXX-edited

Reference:  edited

Credit Line

$1,000,000.00

Cash-Advance-Limit

$90,000.00

 

Dear XXXXXXXXXXXXX:

 

We are pleased to inform you that per your request, we have increased your line of credit on your American Express� Card Account.  This increase is available for your immediate use.  Your account number and line size are shown above.

 

If you have any questions, please call 1-800-535-7790 or write to us at the address above. To learn more about protecting your credit, visit our Consumer Resources page at www.americanexpress.com/consumerresources.

 

Sincerely,

 

edited

SVP Global New Accounts

 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: GOTTA be a typo, LOL!!!!

I believe you and think that is super funny. Too bad it was a typo because that would have been an awesome utility cushion!!

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
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Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: GOTTA be a typo, LOL!!!!

 

Now the best part of this system error (though not actually GRANTING the 1mil CL) would be if for some reason, it reported it to the CB's just once!  I would love to know what that might not only do to your UTIL, but your score and pre-approved offers  :smileylol:

 

Oh, if it does happen to pull the "1 in a trillion" chance for you and actually report, do call in and request manual reviews right away on other creditors for CLI's!  

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