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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
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Realistic cli request at 61 days for amex delta?????

I was just wondering how much cash i would have to put thru my card to get an increase at the 61 day mark? Should i request 3x's the limit?

 

my utility will be at 10%.....scores might be in the 680 range.......salary unchanged 42000......


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trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Realistic cli request at 61 days for amex delta?????

Given your income and total AMEX credit is $7,000, I'd say play conservative and ask for $2,000 CLI.

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amercnchopz34
Posts: 839
Registered: ‎10-28-2011
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Re: Realistic cli request at 61 days for amex delta?????


trumpet-205 wrote:

Given your income and total AMEX credit is $7,000, I'd say play conservative and ask for $2,000 CLI.


Is that with regular charges and paying in full?

 

also how much $$ should i put thru card....i really dont have a lot of bills hat i pay for directly...wife handles them...i pay her a sum total for all...


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trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
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Re: Realistic cli request at 61 days for amex delta?????

I'd say just keep your spending habit. You don't need to intentionally pushing money thorugh a card to ensure CLI.

 

You are PIF right? Asking for a $2,000 CLI shouldn't be a problem. AMEX loves to see PIF.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
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Re: Realistic cli request at 61 days for amex delta?????

yep......should i try the increase ,then in a year try and transfer cl from delta to BCP....thats the card i really wanted...just never thought i would be approved for all three at the same time...


Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
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Re: Realistic cli request at 61 days for amex delta?????


amercnchopz34 wrote:

yep......should i try the increase ,then in a year try and transfer cl from delta to BCP....thats the card i really wanted...just never thought i would be approved for all three at the same time...


Any thoughts on this


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gettnthere
Posts: 912
Registered: ‎06-14-2012
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Re: Realistic cli request at 61 days for amex delta?????

If that's the card you really want, id say go for it! AMex shouldn't have a problem transferring the CL for ya. Plus BCP is one of the absolute best cards in the market right now Imo and you wouldn't have to worry about starting with a lower CL.


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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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Re: Realistic cli request at 61 days for amex delta?????

Just ask for 3x cli. They counter if not approved for amount asked. I didnt get a cli at 61 days
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improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Re: Realistic cli request at 61 days for amex delta?????

[ Edited ]

amercnchopz34 wrote:

I was just wondering how much cash i would have to put thru my card to get an increase at the 61 day mark? Should i request 3x's the limit?

 

my utility will be at 10%.....scores might be in the 680 range.......salary unchanged 42000......


Hey americanchopz34!

I recommend asking the full 3X.  Amex will counter offer if you do not qualify for the full 3X.  The truth is, you will be awarded the CLI based on a SP that will take place within the first 60 days.  (usually right after your first 30).  They don't SP again for the CLI at 61 days.  You will be approved/unapproved for a CLI IF you qualify and it won't be based on what you ask for as an increase.  The amount approved for is what is in question.  With regards to the BCP... you will have to ask the CSR if a PC is available for the Delta card and if so, what cards are available to PC to.  It will be painless if/when the Delta is eligible to PC.  


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Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

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Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Re: Realistic cli request at 61 days for amex delta?????


gettnthere wrote:
If that's the card you really want, id say go for it! AMex shouldn't have a problem transferring the CL for ya. Plus BCP is one of the absolute best cards in the market right now Imo and you wouldn't have to worry about starting with a lower CL.

Just read another thread of yours and didn't realize that you were just approved for the Delta.  I don't believe the Delta is PC-able yet and the underwriting standards are a little more stringent for the BCP from the information i've gathered on this forum.  I would wait the full year with the Delta then call up Amex to see what cards the Delta is eligible to PC to. Being it's co-branded, I 'm not sure of the list of cards you can PC.


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Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K


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