topic Re: Everyday amex cli question in Credit Card Applications

Everyday amex cli question

stengiz — Tue, 09 Jun 2015 23:41:13 GMT

I was approved for an amex ed no fee card back in december 14. i used the card heavily for several months always paid in full. i sometimes went over my limit too but i paid it down rather quickly bringing the balance below the limit .there was no over the limit charges. i applied for a cli about two months ago but were denied having bk7. at the time of my application my balance was at 100%.

my first question is should i move spending to other cards that i have and charge minimal amount to amex and apply again 90 days later?

the second question is how to figure out the exact day that i asked for a cli?

Re: Everyday amex cli question

tonyjones — Wed, 10 Jun 2015 01:18:37 GMT

Make sure your balance is below 30% preferably 10% if you are going to try to request a 3X CLI.

Re: Everyday amex cli question

newhis — Wed, 10 Jun 2015 01:23:38 GMT

You can chat with them and ask when was the last time you tried for a CLI and ask when you can try again.

Re: Everyday amex cli question

steel_string — Wed, 10 Jun 2015 17:23:23 GMT

The formula that worked for me was carrying largish balances and making payments well above the minimum. Not really recommending that approach though, due to the interest charges.

Re: Everyday amex cli question

stengiz — Wed, 10 Jun 2015 17:47:21 GMT

Yeah I rather not pay any interest. For now I'm just gonna be using it when there are offers like 20 off Sam's club online when you spend 20