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Regular Contributor
audia4
Posts: 591
Registered: ‎11-08-2012
0

Re: Have Amex 61 CLI coming up. Good or Bad?

I don't have anything to hide, but I don't want to get greedy and be declined is all. I honestly would be perfectly happy with just a 2x. :smileywink:  Truth me known, I would take anything they would give me at the moment. It's better than nothing and definitely better than I have seen in 10 years. I just don't want to raise any red flags and make things anymore complicated than they have to be. I've had a complicated last 10 years to begin with. I will never use the 20k or anything close to that, but just having it in my profile for building credit is all I want. I was totally shocked when they gave me the $10k as a starting point. I almost had to call a squad for the heart attack symptoms I was experiencing when I made the phone call to get my limit 2 days later. That has probably been one of the biggest shocks of my life after being denied ANY credit over the last 10 years. :smileywink:

TU: 804 EQ: 810 EX 785


***$7500*** **$10,000*** **$9000**** ***$10250*** **$10,000*** ***$4500*** ***$6000*** ***$8000*** ***open*******open***



Senior Contributor
B335is
Posts: 4,638
Registered: ‎09-22-2012
0

Re: Have Amex 61 CLI coming up. Good or Bad?

Haha, I know what you mean and I'm probably the LAST person you want on advice after Wally last week :manembarrassed:

 

I think Amex FR is a bit overrated IMHO, like it's a full blown IRS audit or something.  Go with what you feel comfortable doing, that's what really matters.

Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

Re: Have Amex 61 CLI coming up. Good or Bad?

So ask for 3x, see what the counter is.
Then email cap1 EO about that little orchard card and PC to quicksilver and huge cli
Credit solution walmart for huge cli too

Boom boom boom
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Regular Contributor
audia4
Posts: 591
Registered: ‎11-08-2012
0

Re: Have Amex 61 CLI coming up. Good or Bad?


Creditaddict wrote:
So ask for 3x, see what the counter is.
Then email cap1 EO about that little orchard card and PC to quicksilver and huge cli
Credit solution walmart for huge cli too

Boom boom boom

Boom Boom has already happened. Orchard--->Cap One already declined me and Wally declined me 8 days ago. I'm still waiting on the denial letter to see why. If I get 1 more "boom", I may go off the deep end. :smileysad:

TU: 804 EQ: 810 EX 785


***$7500*** **$10,000*** **$9000**** ***$10250*** **$10,000*** ***$4500*** ***$6000*** ***$8000*** ***open*******open***



Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Have Amex 61 CLI coming up. Good or Bad?

You do understand that if they ask for the transcript you can decline to send it? It is not the same as an FR- your CL will remain the same. If they wanted the tax documents they can ask for them at anytime for any amount.

Just request the full the $30k.
Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

Re: Have Amex 61 CLI coming up. Good or Bad?

Cap1 exec office decline PC and cli?
Walmart credit solutions did manual review and declined?
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

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