topic Re: AX 3x is NOT always based on opening limit. confirmed dp. in Credit Card Applications

AX 3x is NOT always based on opening limit. confirmed dp.

bourgogne — Wed, 28 Feb 2018 17:20:40 GMT

from the world of datapoints...not mine but everyday opened at $25K 12/1/17 ($1K of spend for sub). BCE opened at $1K 12/9/17 (no hp - $2k of spend) 5 min after the portal showed the bce I moved $5K from the everyday to it. ED $20K, BCE $6K

not that it matters but BGR opened 1/16/18 ($5K for the sub in 3 weeks) bgr paid via portal yesterday, refreshed to zero this morning along with the other cards being at zero

started the bce cli at $18K, hit with the 4506T, same for 16 & 14 but not at $12K. noteworthy because $18K might have been achievable and at least in this case the cli was not based off the $1K starting limit. hate to leave $ on the table but bird in hand, etc.

edit post coffee: to clarify, the cardholder got $12K on a card that had an opening limit of $1K, so it would appear in this case that moving the limit bound to the card and made it a real if you will $6K cl and she got a 2x cli

Re: AX 3x is NOT always based on opening limit. confirmed dp.

Anonymous — Wed, 28 Feb 2018 17:14:39 GMT

Umm... What?

Re: AX 3x is NOT always based on opening limit. confirmed dp.

bourgogne — Wed, 28 Feb 2018 17:22:12 GMT

@Anonymouswrote:
Umm... What?

ha-ha lol I agree that post sucks. see the edit, somewhat better. maybe

Re: AX 3x is NOT always based on opening limit. confirmed dp.

jlitnns — Wed, 28 Feb 2018 17:39:49 GMT

@bourgognewrote:
from the world of datapoints...not mine but everyday opened at $25K 12/1/17 ($1K of spend for sub). BCE opened at $1K 12/9/17 (no hp - $2k of spend) 5 min after the portal showed the bce I moved $5K from the everyday to it. ED $20K, BCE $6K

not that it matters but BGR opened 1/16/18 ($5K for the sub in 3 weeks) bgr paid via portal yesterday, refreshed to zero this morning along with the other cards being at zero

started the bce cli at $18K, hit with the 4506T, same for 16 & 14 but not at $12K. noteworthy because $18K might have been achievable and at least in this case the cli was not based off the $1K starting limit. hate to leave $ on the table but bird in hand, etc.

edit post coffee: to clarify, the cardholder got $12K on a card that had an opening limit of $1K, so it would appear in this case that moving the limit bound to the card and made it a real if you will $6K cl and she got a 2x cli

Still confusing. So, opened with $1k, moved $5k over to make $6k total and CLI'd and got $12k from a card that originally had $1k limit. Anyway, pretty cool imo

Re: AX 3x is NOT always based on opening limit. confirmed dp.

bourgogne — Wed, 28 Feb 2018 17:50:16 GMT

@jlitnnswrote:
@bourgognewrote:
from the world of datapoints...not mine but everyday opened at $25K 12/1/17 ($1K of spend for sub). BCE opened at $1K 12/9/17 (no hp - $2k of spend) 5 min after the portal showed the bce I moved $5K from the everyday to it. ED $20K, BCE $6K

not that it matters but BGR opened 1/16/18 ($5K for the sub in 3 weeks) bgr paid via portal yesterday, refreshed to zero this morning along with the other cards being at zero

started the bce cli at $18K, hit with the 4506T, same for 16 & 14 but not at $12K. noteworthy because $18K might have been achievable and at least in this case the cli was not based off the $1K starting limit. hate to leave $ on the table but bird in hand, etc.

edit post coffee: to clarify, the cardholder got $12K on a card that had an opening limit of $1K, so it would appear in this case that moving the limit bound to the card and made it a real if you will $6K cl and she got a 2x cli

Still confusing. So, opened with $1k, moved $5k over to make $6k total and CLI'd and got $12k from a card that originally had $1k limit. Anyway, pretty cool imo

fine, I am on my 2nd cup I hope you are happy lol. yes this is the point. on DOC and elsewhere there in intel to suggest that 3x CLIs are based off the sl/opening limit. never really believed it myself i mean what, a real cl and a fake post credit line move cl? makes no sense. amex and other add up total exposure and other elements and base a cli off that.

Re: AX 3x is NOT always based on opening limit. confirmed dp.

DeeBee78 — Wed, 28 Feb 2018 23:07:21 GMT

@bourgognewrote:
from the world of datapoints...not mine but everyday opened at $25K 12/1/17 ($1K of spend for sub). BCE opened at $1K 12/9/17 (no hp - $2k of spend) 5 min after the portal showed the bce I moved $5K from the everyday to it. ED $20K, BCE $6K

not that it matters but BGR opened 1/16/18 ($5K for the sub in 3 weeks) bgr paid via portal yesterday, refreshed to zero this morning along with the other cards being at zero

started the bce cli at $18K, hit with the 4506T, same for 16 & 14 but not at $12K. noteworthy because $18K might have been achievable and at least in this case the cli was not based off the $1K starting limit. hate to leave $ on the table but bird in hand, etc.

edit post coffee: to clarify, the cardholder got $12K on a card that had an opening limit of $1K, so it would appear in this case that moving the limit bound to the card and made it a real if you will $6K cl and she got a 2x cli

I thought you couldn't move Amex limits around until both accounts are 13 months old?

Re: AX 3x is NOT always based on opening limit. confirmed dp.

Anonymous — Thu, 01 Mar 2018 00:06:53 GMT

They’ve either become very lax on the 13 month rule or discarded it altogether. I’ve moved limits twice and none of my cards are 13 months or older.

Re: AX 3x is NOT always based on opening limit. confirmed dp.

bourgogne — Wed, 28 Feb 2018 23:42:59 GMT

nope, 2rd card was registered on the portal within a week of the 12/9 app and within 5 min I moved $5K over. both cards were at zero and both >2 weeks old

Re: AX 3x is NOT always based on opening limit. confirmed dp.

Anonymous — Thu, 01 Mar 2018 00:08:20 GMT

Wow. And I thought ADD+Sugar High made me type like an idiot.

Go to bed and try retyping this in the morning. Lol.

I went from a $500 Secured Cap1 Card and somehow got Amex with a 10k limit. I'm actually scared to draw attention to myself by hitting the CLI button when the time comes. Lol.