topic Amex in Credit Card Applications

Amex

Anonymous — Thu, 01 Mar 2018 16:33:44 GMT

My Amex BCE hits 61 days in a couple of weeks. It came with a SL of $1k. For the best chance at approval for 3x, should the balance at the time of request be below a certain amount?

Re: Amex

creditfreak68 — Thu, 01 Mar 2018 16:42:33 GMT

I personally paid mine down to zero and got the 3X increase. However I have seen others get it without paying it down at all, so ymmv. That said, I think it is more score-driven than anything, and 680 seems to be somewhat of a magical number with Amex, so my money says you get it.

Re: Amex

bpcnabe — Thu, 01 Mar 2018 19:20:53 GMT

I zeroed out my statement balance (never carried one from month to month in the first place) but did have new charges for the current month posted to account. Got the 3x. Also, EX was 688 at time of CLI.

Re: Amex

SwarthyOgre — Thu, 01 Mar 2018 20:10:18 GMT

I got my BCE with a SL of 1,400 and at day 61 i requested and received a 3X CLI with a balance of about 30%. I recently got my 2nd 3X CLI on said card with, once again, about a 30% balance. Scores in the mid to upper 600s, overall UTIL about 30%. Hope that helps.

Re: Amex

SouthJamaica — Thu, 01 Mar 2018 23:16:44 GMT

@Anonymouswrote:
My Amex BCE hits 61 days in a couple of weeks. It came with a SL of $1k. For the best chance at approval for 3x, should the balance at the time of request be below a certain amount?

I don't think it matters.