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Valued Member
Posts: 95
Registered: ‎02-08-2013
0

My plan for 3x cli

Here is aq quick question, I have 11 inquiries (2 years) 5 for the last yr. I was thinking of asking amex for an increase from 1000 to 5000 & if they agree then seeing if discover and chase will follow suit.

I know this is a 5x increase but this is the leverage I will try to use:

I will be traveling outside the country at the end of the year and I want to take only a credit card and as little cash as possible to minimize theft damages. I will tell them that I would prefer to use their card over others and that I greatly enjoy their cs.if they say no then I will tell them I am sorry to hear that I will take my business to discover or chase.

My credit is clean no derogs no lates no collections. 717 score after apping for 5 cards. My question is do they look at my inq past one yr or not? If so, should app in july instead when 6 drop off the 2 year mark



Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: My plan for 3x cli

LOL..
That's not happening.
$3,000 would happen.
Good luck though :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: My plan for 3x cli

Inquiries wouldnt matter in this case. Amex only allows for up to a 3xcli if their most recent account review of your experian report permits it.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Member
Posts: 14
Registered: ‎03-09-2013
0

Re: My plan for 3x cli

That seems like a awful lot of inq's to me. Looks like you're asking to trade lead in for gold.

 

I hope things work out for you though. Smiley Happy

Scores:

3/9/13 FICO:
EQ - 743
TU - 763
EX(CreditInform FAKO) - 768
Valued Member
Posts: 95
Registered: ‎02-08-2013
0

Re: My plan for 3x cli

I've read throughout forums not just here that some people manage to get 4x... Of course thats hearsay with no proof



Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


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Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
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Re: My plan for 3x cli


VinceYoung wrote:
I've read throughout forums not just here that some people manage to get 4x... Of course thats hearsay with no proof

I think that is only for business accounts

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: My plan for 3x cli

I got my BCE with like 7-8 inqs lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member
Posts: 95
Registered: ‎02-08-2013
0

Re: My plan for 3x cli

I got bce freedom IT &my cu cc from 1y 5m ago (1000/1000/1500/700/500)



Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


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Valued Member
Posts: 95
Registered: ‎02-08-2013
0

Re: My plan for 3x cli

the f700 is walmart. Sorry.



Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


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Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: My plan for 3x cli

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