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Frequent Contributor
Posts: 658
Registered: ‎11-08-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?


B335is wrote:

audia4 wrote:

Once again I wanted to confirm.

 

So my limit now is $10k. I want to get it to the $24.5k or whatever it is they allow without asking for info.

 

So when I ask for the increase I'm going to ask for another $14.5k? Or does it ask you "what do you want your limit to be?" and you put $24.5k?


You enter whatever you want your new limit to be, so put $24.5k if that's what you want to request.

 


Thanks.

TU: 819 EQ: 816 EX 809


*$7500***$20,000****$13500****$30,100****$10,000***$7500****$6000****$8000****OPEN*****OPEN****$17,000****11,000



Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

Regular Contributor
Posts: 171
Registered: ‎10-08-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

Hello! I have a question regarding my Amex Delta, not meaning to hijack the thread but want to make sure I amusing my card correctly because I was a low approval.  I have 1000k limit and my card was opened  Sept 24.  I am unsure if there has been any soft pulls, where should I check, experian.com?  My card has been used alot and I have made one payment and about to make another payment tomorrow to bring the balance down from 880 to 300.  Is this correct way to ensure my 61 CLI, because I need it due to the low limit.



Starting: 563 | Current: 646 | Goal: 750.
Garden 09/24/2013

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

@MYCherie

Yes, check Experian for any SP's. They will use the last sp along with your overall credit portfolio. Tbh, $300 reporting on a $1000 CL may seem high if your file has some baddies.
Regular Contributor
Posts: 171
Registered: ‎10-08-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

@ Lexie What balance should I have ? and should I make sure to pay before my balance reports or after?  Thanks. Smiley Very Happy



Starting: 563 | Current: 646 | Goal: 750.
Garden 09/24/2013

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

That's hard to say but I would guess having it as low as possible would increase your chances. Some have been successful at CLI's with util over 25% but there overall profile may have been different.

Definitely check your CR's and decide based on the last sp if your timing to seek an increase is wise.
Regular Contributor
Posts: 171
Registered: ‎10-08-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?

Thanks Lexie!



Starting: 563 | Current: 646 | Goal: 750.
Garden 09/24/2013

Super Contributor
Posts: 9,483
Registered: ‎06-19-2013
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Re: Have Amex 61 CLI coming up. Good or Bad?


MYCherie wrote:

Hello! I have a question regarding my Amex Delta, not meaning to hijack the thread but want to make sure I amusing my card correctly because I was a low approval.  I have 1000k limit and my card was opened  Sept 24.  I am unsure if there has been any soft pulls, where should I check, experian.com?  My card has been used alot and I have made one payment and about to make another payment tomorrow to bring the balance down from 880 to 300.  Is this correct way to ensure my 61 CLI, because I need it due to the low limit.


1000k thats an lot :-) do they even have limits in the millions lol 



EX Fico 784 5/18/16 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/26/16 810 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/27/16 800 Fako 808 Creditkarma 5/11/15
Epic Contributor
Posts: 28,812
Registered: ‎10-23-2007
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Re: Have Amex 61 CLI coming up. Good or Bad?

OP that's so silly to ask for 24500... If you qualify for 30, ask for that... If they don't think so they will counter!
This bs about some magic number getting fr so don't ask for it is just that silly... It can happen at $500 or $75k!
Moderator
Posts: 9,561
Registered: ‎09-22-2012
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Re: Have Amex 61 CLI coming up. Good or Bad?


Creditaddict wrote:
OP that's so silly to ask for 24500... If you qualify for 30, ask for that... If they don't think so they will counter!
This bs about some magic number getting fr so don't ask for it is just that silly... It can happen at $500 or $75k!

+1

 

I completely agree.  Unless you have something to hide, I would go for the full 3x.  And if you're trying to get away with something, AMEX will be on to you regardless.  It's not their first time at the rodeo.

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