Established Member
stealthc63
Posts: 34
Registered: ‎12-02-2012
Amex 3x cli results
Maybe this has been posted before but I couldn't find anything. My 61 days is coming up and I was curious what other people's results were when they requested their cli. Please post if you had a balance or not at the time of your request. What your overall approx utl was, how much you asked for and what the result was. I know there are several single posts on this but I think it would be nice to have this on one thread.
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
Re: Amex 3x cli results
2% total UTIL
Zero balance on delta card
EX score about 718 at time of request
Prior CL was 2k on delta
Request 6k and instant approval online


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012
Re: Amex 3x cli results
Its not important what your credit profile is link at the time of CLI request. Whats important is what your credit profile is at the time of their last SP
BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$3500

EQ FICO - 742
TU FICO - 734
EX FICO(AMEX) - 712
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
Re: Amex 3x cli results
I know. My score was actually around 720 when I requested. The score I listed first was my score on most recent SP prior to request.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012
Re: Amex 3x cli results

Duncanrr wrote:
I know. My score was actually around 720 when I requested. The score I listed first was my score on most recent SP prior to request.
It was
It was directed at others who do not know.
BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$3500

EQ FICO - 742
TU FICO - 734
EX FICO(AMEX) - 712
Contributor
timkrof
Posts: 78
Registered: ‎03-02-2009
Re: Amex 3x cli results

I was just appoved for their BCEP card and I am interested to see wich report they pull for their CLI's?  Thanks!

Established Member
stealthc63
Posts: 34
Registered: ‎12-02-2012
Re: Amex 3x cli results
So are you saying they don't take your current balance into consideration? They use the balance you had when they lost sp'd you?
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
Re: Amex 3x cli results

Don't think people are necessarily saying that.  Amex uses the last SP report, showing your overall credit picture with all your lenders.  Presumably they are also free to use your current AMEX balance in making a decision, but we don't know for sure one way or the other.

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Amex 3x cli results

+1

Frequent Contributor
OhioCPA
Posts: 458
Registered: ‎03-29-2011
Re: Amex 3x cli results

What I have done with my Amex CLI request is to make sure my utilization is low on other accounts and my Amex cards are all at zero.

 

I was originally declined on my first request for a CLI on my BCE, then went from 1,000 to 3,000 to 9,000 on that card with each request. On my HH which started at 10,000, I recently was successful to 25,000. All of this was within a year and half.

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