Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
Amex CLI timing?

Does anyone know how the timing for the 2nd CLI w/Amex works? It's 6 mos, right? So, if I got CLI #1 in April (but don't recall exact date -- probably around the 25th). Then could I do a request for CLI in Oct or Nov? I had been thinking Oct. But since I got the CLI near the end of April, I'm wondering if they would count that as a month. Or do they go by the date (like with 61 days, which is pretty specific).

 

So would I need to wait till after Oct 25th? Or Nov? Or could I do earlier in Oct?

 

Thanks!

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
Cageym
Posts: 507
Registered: ‎07-31-2012
Re: Amex CLI timing?

I  understand that it is 6 months after the 61 day 3x.


What's in my wallet: Cap1 Venture $10K NFCU Sig Visa $25k Amex Zync NPSL Delta Gold $18k BCE $2k Citi Simplicity $5450 Priority Select Visa 5.9K Amazon Visa 4k CSP 5k
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
Re: Amex CLI timing?

Cageym wrote:

I  understand that it is 6 months after the 61 day 3x.


Yeah, I'm trying to figure out when people have been getting their 6-mos CLI. Since I got my CLI at the end of April, should it be the end of October? Or any time during October? Or should I wait until November to be over the 6-month mark?

 

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
Re: Amex CLI timing?

Can anyone share how you timed your 2nd CLI w/Amex?

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

New Visitor
DrewH
Posts: 2
Registered: ‎10-10-2012
Re: Amex CLI timing?

Bump - I got approved for a CLI to 6k on April 10th and here we are exactly six months later and I'm sitting here looking at the CLI button--hesitantly.

 

Anyone know if it's smarter to wait another day just to be safe or should I go ahead and pull the trigger?

EX: 743 - EQ: 765 - TU: 747
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
Re: Amex CLI timing?

As a simple exercise in credit self control, I suggest waiting a couple more days unless there is some super pressing need right this minute to get the credit increase.  I never understand these (almost obsessive) threads about how to calculate the 61 days, whether from account approval or activation, etc.  If you're unsure, is it really a big deal to wait a couple more days?  I'm waiting for the discussion of whether the 61st day, or 6 month period, starts at midnight Greenwich Mean Time, or whether you have to wait to the hour that you activated your account.

 

On the flipside, I'm pretty sure if you apply early, it just says you are ineligible or something like that, and you can apply again whenever the correct time is, i.e., it doesn't reset the 6 month clock if you jump the gun.  I know there are threads about this.  A few searches should be able to confirm.

 

 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
New Visitor
DrewH
Posts: 2
Registered: ‎10-10-2012
Re: Amex CLI timing?

Thanks for the reply.

 

Yeah, I can't really explain my fascination (read: addiction) with credit & CLIs but I've had this day marked in my calendar for months and it's been on my mind nonstop this week. I guess a few more days won't hurt me. AMEX has been sending me a lot of promotional mail over the last couple months so hopefully that's a good sign.

 

 

EX: 743 - EQ: 765 - TU: 747
Established Contributor
adavis425
Posts: 522
Registered: ‎02-14-2012
Re: Amex CLI timing?

Yeah, I don't think it has to be to the day. As Walt basically says, it needn't be so precise. I think the 61-day and 6 month timeframes are just guidelines.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
Re: Amex CLI timing?
Why not just wait til 11/1 and ask? I agree if its not really needed to use wait a little longer.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
injustifiiable
Posts: 1,865
Registered: ‎03-30-2012
Re: Amex CLI timing?

Does it have to be at 12:01 Utah time or according to your local time zone??? lol

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950