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What to apply for?

Regular Contributor

Re: What to apply for?

I've had the American Express card for 5 months

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 11 of 19
Valued Contributor

Re: What to apply for?

definitly go into your amex online and request your credit limit to 6k. It will be a soft pull and will not hurt your credit

 

pay down the util. first

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 12 of 19
Regular Contributor

Re: What to apply for?

Alright, will do. Thanks for the advice guys.

 

After the CLI I guess I'll just go into the garden for awhile and let everything settle Smiley Happy

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 13 of 19
Valued Contributor

Re: What to apply for?

let us know how it goes. but dont forget to pay down your utilization first.
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 14 of 19
Valued Contributor

Re: What to apply for?

it might actually take another cycle for your utilization to show a lower percent, if somebody else can chime in
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 15 of 19
Valued Contributor

Re: What to apply for?

Utilization on the Amex won't update for other lenders to see until the statement cuts. But Amex will be able to see the payments internally, so the OP shouldn't need to wait long after payment to have a good shot at the CLI. Plus, after 5 months Amex presumably has a better indication of the OP's credit than the typical customer who requests after only 61 days.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 16 of 19
Regular Contributor

Re: What to apply for?

 

I requested the 3x CLI and was approved Smiley Very Happy, thanks guys!

 

Now into the garden for me Smiley Happy

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 17 of 19
Frequent Contributor

Re: What to apply for?

Congrats, see ya there.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 18 of 19
Highlighted
Frequent Contributor

Re: What to apply for?

Congrats on CLI



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Message 19 of 19