topic Re: AMEX SPG CLI $26k -> $51.5k in Credit Card Approvals

AMEX SPG CLI $26k -> $51.5k

simplynoir — Sun, 10 Dec 2017 04:13:54 GMT

Background info:

I had not requested a CLI on my BCE in 2+ years but considering the SPG card was less than a month old at the time I didn't know whether it would take the CLI request or not; had it not I would have just waited another month unless I was too impatient and just do it on the BCE and then transfer it over to the SPG anyways. Went all out on the CLI request for the SPG from $26k to $78k. IV prompt came up so filled out form and submitted it. I didn't bother calling them back for updates figuring I give them a month to do their thing before calling to see what was going on. Got a call on December 1st from them asking a few questions regarding my request. Questions asked were things like "why are you asking for this amount, are you unhappy with your other products, etc" and at the end of the call she had told me I was approved but wouldn't know amount til the following Monday. Sure enough I log in Monday morning and saw the increase on my account.

Timeline

11/14 - submitted request on SPG $26k -> $78k
12/01 - received call from credit department
12/04 - approved for CLI to $51.5k

Datapoints:

- assuming EX score they used was the SP on their website of 801 (took a small ding from October for inquiries that will probably go lower once the accounts actually report from my spree later this month)

- revolvers at time of app: SPG - $26k, BCE - $18k, Biz SPG - $30k (do not know if this card was taken into account when considering request)

- avg reported IRS income for 2015/2016: $195k

- AAoA: 8 yrs

- usage on accounts not a lot on the personal cards this year but this will change for 2018 as I want to squeeze every ounce of earning from the SPG program while I can before they change it; business SPG will see more use but still figuring out how I want to do that

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Wed, 06 Dec 2017 20:04:32 GMT

Man those limits are insane!

I wanna be like you when I grow up

Re: AMEX SPG CLI $26k -> $51.5k

CreditCuriosity — Wed, 06 Dec 2017 20:14:29 GMT

Awesome increase. Congrats. Alot of exposure with Amex.. Yes Amex does count business/personal towards total exposure.

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Wed, 06 Dec 2017 20:53:55 GMT

Woah you're a heavy hitter indeed! Congratulations

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Wed, 06 Dec 2017 21:21:09 GMT

@CreditCuriousity wrote:
Awesome increase. Congrats. Alot of exposure with Amex.. Yes Amex does count business/personal towards total exposure.

Interesting. Had me curious since there was no PG for either business card but you're saying that doesn't matter right? And thanks!

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Wed, 06 Dec 2017 21:23:39 GMT

Thanks West501 and ImaPirate!

Re: AMEX SPG CLI $26k -> $51.5k

CreditCuriosity — Wed, 06 Dec 2017 21:37:57 GMT

@simplynoir wrote:
@CreditCuriousity wrote:
Awesome increase. Congrats. Alot of exposure with Amex.. Yes Amex does count business/personal towards total exposure.
Interesting. Had me curious since there was no PG for either business card but you're saying that doesn't matter right? And thanks!

All based on personal income as far as i am aware. As when it use to ask my business income i put 0-5k then asked personal then put whatever my personal is and getting 20k approvals on business cards. I think I might be at my ceiling with amex though through personal/business cards

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Wed, 06 Dec 2017 21:50:10 GMT

Holy smokes simply! #bigdogalert

Congrats!

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Wed, 06 Dec 2017 22:25:05 GMT

WOW! That's one hellofa limit!

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Wed, 06 Dec 2017 23:40:28 GMT

@Anonymous wrote:
Man those limits are insane!

I wanna be like you when I grow up

I want his income!

Re: AMEX SPG CLI $26k -> $51.5k

AverageJoesCredit — Thu, 07 Dec 2017 00:11:02 GMT

SIMPLY.........noir

Great job SN Well deserved and youve just won the Gmood1 Award for No Fear of the Year

Re: AMEX SPG CLI $26k -> $51.5k

Gmood1 — Thu, 07 Dec 2017 01:37:38 GMT

What a whopper limit! Congrats Noir!

Re: AMEX SPG CLI $26k -> $51.5k

Anonymous — Thu, 07 Dec 2017 03:36:34 GMT

That's amazing congrats

Re: AMEX SPG CLI $26k -> $51.5k

shoegal — Thu, 07 Dec 2017 04:03:40 GMT

Nice!!! 🎉🍾

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Thu, 07 Dec 2017 05:18:59 GMT

Thanks Justagirl73, sapphireminer, CO_NATIVE, AJC, Gmood1, Kytim, and shoegal!

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Thu, 07 Dec 2017 05:21:18 GMT

@Anonymous wrote:
@Anonymous wrote:
Man those limits are insane!

I wanna be like you when I grow up
I want his income!

That income took a small hit this year because of the hurricane nonsense back in August/September as far as consultancy work. Decided to not take any more til next year because of it so probably won't see as much money but main job still going strong.

Re: AMEX SPG CLI $26k -> $51.5k

sdsoccerdad — Thu, 07 Dec 2017 21:11:10 GMT

Congrats! I'd be happy just to get over this $1000 hump with Amex

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Thu, 07 Dec 2017 22:57:33 GMT

@sdsoccerdad wrote:
Congrats! I'd be happy just to get over this $1000 hump with Amex

Thanks!

Re: AMEX SPG CLI $26k -> $51.5k

Jerry45 — Thu, 07 Dec 2017 23:39:40 GMT

Outstanding!! Congrats

Re: AMEX SPG CLI $26k -> $51.5k

simplynoir — Thu, 07 Dec 2017 23:50:51 GMT

Thank you kindly!