topic Re: Discover Auto and Amex 3x in Credit Card Approvals

Discover Auto and Amex 3x

HHH71 — Fri, 05 Feb 2021 04:21:06 GMT

Received an email that said, "congratulations, your credit limit has increased" from discover. I had requested a discover CLI multiple times in the last year and just gave up. Every time I would just get a no. Then out of the blue I get this. My CL went from $4,000 to $6,000. I'll take it.

I was however annoyed with Amex. My chase cards have decent CL and Capital One (between $8,000 and $9,000). But my Amex Hilton Surpass card has sat at $4,000 for a year. I tried to get a CLI on the website a few months ago and got a flat out no, I was trying the 3x and didn't even get a counter. The only reason I can think is I let a large purchase post on a credit card statement and my credit dropped 60 pts (to 670) due to utilization the same month I applied for the CLI. I paid it off and the next month my fico went back to 735.

So I called Amex last night to upgrade to the Aspire Card which I had an invite to. I stay in Hilton properties 180 nights a year. So this card makes tons of sense for me. Last year even during covid I received over a million Hilton Honor points through my Amex based upon spend. While I was on the phone, I thought I would go ahead and ask them how often I could request a CLI. She said you have to wait three days after a denial. For some reason I thought you had to wait months. So, it had been a few months since I got that denial and I thought I might as well try. She asked how much I wanted, I said $12,000 (it was currently $4,000). She asked a couple questions about income and assets. Then she said ok, lets submit. 2 seconds later she said congratulations, your new credit limit is $12,000.

So pretty happy with the $10,000 cli between the two cards. Brings my credit card CL to $42,500. I put about $12,000-$15,000 a month on credit cards but never let it hit my statements. So, my utilzation is always around 1%.

A little context. I didn't use credit cards for 20 years. Thought they were bad. I was neieve. So, I only recently started getting credit cards. Last year I received over $10,000 in value from cash back, points, etc. Money I was spending anyway. Never paid a dime of interest. Only badie is a collection from sprint for $114 from years ago. Actually fell off today. They screwed me and I wouldn't pay out of principle. I know, only hurt myself. They don't give a crap.

Data points:

Fico 8: Equifax-718 Transunion-732 Experian-736

Income: $350,000

Have mortgage, one leased car, another car payment. No other debts.

Re: Discover Auto and Amex 3x

AllZero — Fri, 05 Feb 2021 04:19:55 GMT

Congratulations on your CLIs!

Re: Discover Auto and Amex 3x

CreditAggie — Fri, 05 Feb 2021 04:29:26 GMT

Congratulations on your CLIs!

Re: Discover Auto and Amex 3x

MyFault — Fri, 05 Feb 2021 04:40:55 GMT

Congrats on your CLI's!

Re: Discover Auto and Amex 3x

Jordan23ww — Fri, 05 Feb 2021 05:11:21 GMT

Congratulations on both of your CLI's! Awesome stuff!

Re: Discover Auto and Amex 3x

mrcraft — Fri, 05 Feb 2021 06:41:56 GMT

Congratulations on your CLIs!!

Re: Discover Auto and Amex 3x

BAD_UP — Fri, 05 Feb 2021 12:39:22 GMT

Congrats on your Discover & Amex CLI🎉👍

Re: Discover Auto and Amex 3x

JoeLuvsHisCredit — Fri, 05 Feb 2021 14:11:51 GMT

Congratulations

Re: Discover Auto and Amex 3x

gdale6 — Fri, 05 Feb 2021 15:38:40 GMT

Grats to your success on both

Re: Discover Auto and Amex 3x

randomguy1 — Fri, 05 Feb 2021 16:06:00 GMT

Congrats on the double approvals. That is a rare Discover auto-cli (other than within first year).

Re: Discover Auto and Amex 3x

M_Smart007 — Fri, 05 Feb 2021 16:22:01 GMT

Congratulations!

Re: Discover Auto and Amex 3x

cashorcharge — Fri, 05 Feb 2021 22:06:52 GMT

Nicely done!! That's terrific! Congratulations on your approval!! 🎉🥂