topic Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k in Credit Card Approvals

No AF Amex Hilton Honors CLI Approved from $5k to $15k

youngandcreditwrthy — Sat, 27 Jan 2024 17:37:46 GMT

I've started helping one of my older friends (60) improve her credit (and I also sold her my old car for a HECK OF A DEAL.. ironically we also grew up in the same area but didn't know eachother til past 6 months and have become great friends! )

I've been making sure to tell her to ask for CLIs. She got the FULL 3xcli after the second statement cut on the Amex above! She didn't even know about the BCE or other No AF Amex cards heh. She def carries balances but keeps utilization in check. I wann say she told me she got 120k points as a SUB which looks to be higher than normal;

this is what I know about my DF credit:
Exp 08: 765 now (when I started advising her, she was at a 704 with 30% util!) I reviewed her scores/reports/the differences with her. The common man/woman gets so tricked by CK's VS!
6 inquiries in 6 months but only 7/24, only one new account in 6 months (auto loan);20% utilization (which will drop tremendously after the 15k reports - she never knew to ask for CLIs so her total credit is less than 50k - I told her you don't use the credit limit.. you just have to help your credit that's it, DONT SPEND IT!

So Amex has seen a roughly 60 point increase in score and lower utilization from my DF and thus the full 3xcli was granted :-)

P.S. I added her onto my auto loan about 6 months ago and have already paid that down from 65k to 43k which I think also helped boost her score bc she had no installment loans prior. I bet we can get her to 800s in the next few months even as my stupid score languishes in the high 600s to low 700s.

apologies for the rambling and perhaps out of order info but its exciting!

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

NoMoreDebt — Sat, 27 Jan 2024 18:14:27 GMT

congrats on the cli

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

CorpCrMgr1 — Sat, 27 Jan 2024 21:58:18 GMT

Good for you helping your friend. Congratulations on the CLI and on the increase in her score. I help people fix their credit often. It is fun to me.

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

nytokyobred79 — Sat, 27 Jan 2024 23:31:50 GMT

Congrats on the successful cli

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

JoeRockhead — Sun, 28 Jan 2024 08:22:50 GMT

Nice bump, and appreciate the DPs, congratulations!

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

BigBS — Mon, 29 Jan 2024 00:20:19 GMT

Congrats on the CLI!

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

KingRue8500 — Tue, 30 Jan 2024 01:58:41 GMT

Congrats on DF's AMEX Hilton Honors CLI

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

CreditAggie — Mon, 19 Feb 2024 01:58:23 GMT

Congratulations on your friend's Amex 3X CLI!

Re: No AF Amex Hilton Honors CLI Approved from $5k to $15k

TekkenQQ7 — Mon, 19 Feb 2024 20:44:51 GMT

Congratulations!