Reply
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


Take the myFICO Fitness Challenge

Senior Contributor
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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. :smileyhappy:

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


Take the myFICO Fitness Challenge

Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
0

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: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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


Take the myFICO Fitness Challenge

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


Take the myFICO Fitness Challenge

Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: My plan for 3x cli

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.