Went for big 61 day Amex increase

[swpopham]

All my spending was on my prg for November and December that way it wouldn't factor as utilization

[chwebb1]

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@swpopham wrote:
All my spending was on my prg for November and December that way it wouldn't factor as utilization

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It's possible that they were concerned that your balance on that was too high in comparison to your income.

[09Lexie]

So, they didn't say the amount requested exceeded their guidelines?

[creditballer]

I went for it also on the 61st day and was denied due to account too new...Blue Sky $9k and I asked for $20K....so, should I wait for 6mos and try again?

[wHiTeSoL]

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@creditballer wrote:
I went for it also on the 61st day and was denied due to account too new...Blue Sky $9k and I asked for $20K....so, should I wait for 6mos and try again?

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Sounds like you jumped the gun, has it been exactly 61 days since opening AND 6 months since the last American Express CLI? Remember that many people confuse the opening dates. 

[FinStar]

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@wHiTeSoL wrote:

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@creditballer wrote:
I went for it also on the 61st day and was denied due to account too new...Blue Sky $9k and I asked for $20K....so, should I wait for 6mos and try again?

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Sounds like you jumped the gun, has it been exactly 61 days since opening AND 6 months since the last American Express CLI? Remember that many people confuse the opening dates. 

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+1

Well, the good thing is the OP can re-submit again without the penalty if the trigger was pulled prematurely.

[OptimalCS]

My thinking is that you might have squeezed by if you had went for the 3X. Just a theory.

[score_building]

Seems asking for 9k and then perhaps 24k after 6 months would provide less of a hassle factor than a potential F/R trigger. Unless one wishes to try and prompt a doc request, to result in higher limit for holders of a sufficiently strong profile.

[lg8302ch]

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@score_building wrote:

Seems asking for 9k and then perhaps 24k after 6 months would provide less of a hassle factor than a potential F/R trigger. Unless one wishes to try and prompt a doc request, to result in higher limit for holders of a sufficiently strong profile.

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Who knows... I knew that I did not want to go over the 25K so I decided to do the 2 x on the 61days only 5K to 10K -and wait for the next 180days and ask for 25K. This strategy worked well for me.

[score_building]

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@lg8302ch wrote:

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@score_building wrote:

Seems asking for 9k and then perhaps 24k after 6 months would provide less of a hassle factor than a potential F/R trigger. Unless one wishes to try and prompt a doc request, to result in higher limit for holders of a sufficiently strong profile.

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Who knows... I knew that I did not want to go over the 25K so I decided to do the 2 x on the 61days only 5K to 10K -and wait for the next 180days and ask for 25K. This strategy worked well for me.

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Well played!