topic Re: Amex BCP CLI in Credit Card Approvals

Amex BCP CLI

Zoostation1 — Wed, 12 Feb 2025 03:28:28 GMT

I've had my BCP for just over 2yrs. It started with a $5k limit and I've been denied twice for CLIs , once after 6 months and again after 14 months. Both times I was denied due to a bankruptcy reporting (CH7). During the most of the time I've had the card I've not seen any of the elevated sub offers for any cards, until the last couple of months. Since I'm seeing those and started seeing some preapprovals I decided to give it another shot for a CLI. Since I was expecting a denial I went small and didn't go for 3X or even 2X. Went for a 50% increase to $7500 and was approved! Happy to get the approval, but also wondering what I left on the table. At the time of CLI approval scores (FICO8) are EQ 690, TU 698, EX 692 with 3/6 cards reporting and 5% utilization overall. If they used a recent AR I probably would have been in the 6-8% range depending on which month. BK7 is 7yrs 3mo old fwiw.

Re: Amex BCP CLI

Creditwiser — Wed, 12 Feb 2025 04:19:23 GMT

Congrats on your Amex CLI !

Re: Amex BCP CLI

Rebuild2019 — Wed, 12 Feb 2025 04:48:16 GMT

Congratulations on your CLI @Zoostation1

Re: Amex BCP CLI

GZG — Wed, 12 Feb 2025 05:09:42 GMT

very nice CLI aproval, next one to $10k, surely, congrats!!

Re: Amex BCP CLI

Varsity_Lu — Wed, 12 Feb 2025 10:37:44 GMT

Nice! BCP is my most used card. Next time ask for 2x and get that thang to $15k!

Re: Amex BCP CLI

KatzNDawgs — Wed, 12 Feb 2025 19:17:15 GMT

@Barky wrote:
That's wonderful and you seem like you're old enough to not even be a gen zero. What got you into bankruptcy trouble in the first place, if I may ask?

@Barky Curious why almost all of your posts include the need to reference "gen zero"? Are you of that generation looking for peers, or perhaps one who is not which looks askance at them?

But to OP, glad of your CLI and hope you get even higher ones in the near future!

Re: Amex BCP CLI

user979797 — Thu, 13 Feb 2025 18:27:21 GMT

Congrats on getting Amex to increase your limit

Re: Amex BCP CLI

cashorcharge — Thu, 13 Feb 2025 23:57:03 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Amex BCP CLI

DebbsSeattle — Fri, 14 Feb 2025 15:12:02 GMT

Gen Z actually means Gen Zoomer. If you call them Gen Zero as an assumption of the meaning you are now corrected. If however it is just to be derogatory, please discontinue doing it on this platform. Those of us here for insight, education, support and comraderie find no value in it.

Re: Amex BCP CLI

CreditAggie — Mon, 03 Mar 2025 01:56:52 GMT

Congratulations on your Amex BCP CLI!

Re: Amex BCP CLI

cabledude27 — Tue, 04 Mar 2025 02:09:45 GMT

Congrats on your CLI!

I keep getting denied on this card for CLI also referencing my CH 13 which was discharged but on my CR until this April but they approved me for this card, Amex Platinum and the Delta Platinum so makes no sense.

Re: Amex BCP CLI

FicoMike0 — Tue, 04 Mar 2025 04:03:46 GMT

Congratulations!