topic Re: help help help. CLI amex question in Credit Cards

help help help. CLI amex question

zerbherb — Mon, 18 May 2015 12:46:15 GMT

its not 61 days and the new mac comes out wedensday. what do i do i really wanna purchase this on my own credit line. UGH!!!!!!

Re: help help help. CLI amex question

jm1991 — Mon, 18 May 2015 12:57:39 GMT

wait till you have enough credit to purchase it. Or pay cash

Re: help help help. CLI amex question

takeshi74 — Mon, 18 May 2015 13:01:38 GMT

From recent posts it seems like 61 days is no longer enforced. Your call. You can see if they'll grant a CLI early. If not and you can't make the purchase without the CLI then you'll have to find another solution.

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 13:02:31 GMT

but if you don't have enough credit line to purchase a computer then they may not approve your request. the lower limits are riskier

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 13:10:25 GMT

2000 isn't a borderline starting amex limit. I gave discover first dibs to impress me, i told them this makes or beaks our relationship and i'm using discover deals either way.

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 13:09:45 GMT

@zerbherb wrote:
its not 61 days and the new mac comes out wedensday. what do i do i really wanna purchase this on my own credit line. UGH!!!!!!

Like others have stated, the 3XCLI is a thing of the past with some getting it earlier. If the mac is a MUST HAVE for you then you will have to come up with some other solution of paing for it.

Barclays Apple card may be another option if you really want it.

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 13:11:19 GMT

if my credit lines dont go bat for me ill just use one my fathers card. no big deal. Just would've rather done this via my credit report.

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 13:12:31 GMT

@zerbherb wrote:
2000 isn't a borderline starting amex limit. I gave discover first dibs to impress me, i told them this makes or beaks our relationship and i'm using discover deals either way.

@zerbherb,

I hope you are just kidding with this comment. No bank has the time to impress anyone. Whatever credit is extended to you by any bank will be based on your credit file, income etc...

So set your expectations accordingly..

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 13:19:33 GMT

@zerbherb wrote:
if my credit lines dont go bat for me ill just use one my fathers card. no big deal. Just would've rather done this via my credit report.

All I can say is wow

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 14:14:49 GMT

@zerbherb wrote:
its not 61 days and the new mac comes out wedensday. what do i do i really wanna purchase this on my own credit line. UGH!!!!!!

Is that the total of all your credit in your siggy? How much usage have you put on the card already, how many payments have you made, and what is your current balance.

How much is the new Mac?

I was very careful on my card the first 2 months. I charged about $1000 the first month on a $5000 card, paid it down to $400, let that report to the bureaus, then paid that off and held off going to Costco until my statement closed so I could apply for 3x with a 0 balance in day 61 and I got it. That changed my credit world.

Just be patient.

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 14:31:08 GMT

Total spend on discover 3500 $ in 6 months amex 2000 in 2 months with 700 this month.

The Mac will be 3100-3500$

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 14:32:24 GMT

Actually more 5000$ on discover.

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 14:33:49 GMT

Whoever said wow to me using my fathers credit card if the flu doesn't work out . Wow grow up. I have money of my own. He isn't paying.

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 14:34:25 GMT

Excuse typos. Writing from iPhone 6+. No I didn't really mean the flu I meant to write Cli

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 14:49:32 GMT

Flu.

Just press the button now and if it don't work call and ask to withdraw the CLI request.

Re: help help help. CLI amex question

PrimeRate — Mon, 18 May 2015 14:58:58 GMT

Apply for the 3x cli online like everyone has already suggested. You'll have a response in seconds. If that doesn't work out, you already have a backup plan in line.

Best of luck.

Re: help help help. CLI amex question

PrimeRate — Mon, 18 May 2015 15:04:11 GMT

MODS: I've been on forums where posters need to reach a certain amount of rep/kudos before they can post topics.

I'd like to suggest a general question thread for the newbies & a kudos count of 15+ to gain new topic post ability.

Lately, between the spam & rudeness - this place is falling off fast. TY for consideration.

Re: help help help. CLI amex question

zerbherb — Mon, 18 May 2015 19:48:32 GMT

amex written response with in 7-10 days? decline?

Re: help help help. CLI amex question

Anonymous — Mon, 18 May 2015 20:09:58 GMT

@zerbherb wrote:
amex written response with in 7-10 days? decline?

Thats prob a decline. Call the recon line and say you want a CLI since you're making a big mac purchase.

Re: help help help. CLI amex question

Girac — Mon, 18 May 2015 20:12:08 GMT

Can't you check Amex's spending ability function? I occasionally go over my credit limit by thousands and it has never been an issue. I pay off the overage monthly. If you cant pay the overage it will probably hurt your score when it reports.