topic Re: AMEX BCP CLI in Credit Cards

AMEX BCP CLI

nomoore — Tue, 24 Jan 2012 17:15:49 GMT

I have had my AMEX BCP since 08/11. It had a starting CL of $2000. I just asked for a CLI and got it. It is now my highest limit card (out of 2 cards). My new CL is $6000. Yay! Now I don't have to run 3 payments a month through it and it will be easier to keep util under control. Woo Hoo!!!!!!

Re: AMEX BCP CLI

Juan123 — Tue, 24 Jan 2012 17:18:37 GMT

congrats! on a side note, how'd ur scores go up 72 points in a month?

Re: AMEX BCP CLI

nomoore — Tue, 24 Jan 2012 17:25:23 GMT

@Juan123 wrote:
congrats! on a side note, how'd ur scores go up 72 points in a month?

I had one Repo'd car that I got GW'd. It was my only baddie on a fairly thin file so it was pulling my score down a LOT. Also, the first was pulled here and the second was a FICO pulled by AMEX so they might be different TU FICO versions.

Re: AMEX BCP CLI

Anonymous — Tue, 24 Jan 2012 17:38:41 GMT

Wow, nice increase! Congrats!

Re: AMEX BCP CLI

pizzadude — Tue, 24 Jan 2012 17:50:51 GMT

Congrats on the 3X bump !! This only required a soft pull right ?

Re: AMEX BCP CLI

nomoore — Tue, 24 Jan 2012 17:57:51 GMT

@pizzadude wrote:

Congrats on the 3X bump !! This only required a soft pull right ?

I assume so. I did it through the automated system which is, as far as I know, a soft pull only. I haven't checked any CRs though.

Re: AMEX BCP CLI

CS800 — Tue, 24 Jan 2012 18:10:53 GMT

@pizzadude wrote:

Congrats on the 3X bump !! This only required a soft pull right ?

Yes AMEX CLI's are generally SP's. Cant wait for mine in 3 weeks

Re: AMEX BCP CLI

CS800 — Tue, 24 Jan 2012 18:11:42 GMT

@nomoore wrote:
I have had my AMEX BCP since 08/11. It had a starting CL of $2000. I just asked for a CLI and got it. It is now my highest limit card (out of 2 cards). My new CL is $6000. Yay! Now I don't have to run 3 payments a month through it and it will be easier to keep util under control. Woo Hoo!!!!!!

The full 3X nice

Nice score bump too

Re: AMEX BCP CLI

Skinnyminnie — Tue, 24 Jan 2012 22:45:42 GMT

That's wonderful news, Nomoore, congrats to you!

Re: AMEX BCP CLI

tntexans72 — Tue, 24 Jan 2012 22:51:45 GMT

Congrats!!

Re: AMEX BCP CLI

Anonymous — Wed, 25 Jan 2012 00:15:23 GMT

@nomoore wrote:

I had one Repo'd car that I got GW'd. It was my only baddie on a fairly thin file so it was pulling my score down a LOT.

First of all -- CONGRATULATIONS on your CL increase with AMEX BCP.

How in the world were you able to get your repo off your CRs? We have been trying to accomplish this very same thing (GW-ing a repo off the CRs) with absolutely NO luck whatsoever. Toyota is being 100% stubborn on this saying: "Absolutely and unequivocally, NO!"

You have been greatly blessed!!!

Re: AMEX BCP CLI

JusdoNit — Wed, 25 Jan 2012 00:30:33 GMT

Congrats! Very Nice!

Re: AMEX BCP CLI

nomoore — Wed, 25 Jan 2012 15:22:56 GMT

@Anonymous wrote:
First of all -- CONGRATULATIONS on your CL increase with AMEX BCP.

How in the world were you able to get your repo off your CRs? We have been trying to accomplish this very same thing (GW-ing a repo off the CRs) with absolutely NO luck whatsoever. Toyota is being 100% stubborn on this saying: "Absolutely and unequivocally, NO!"

You have been greatly blessed!!!

I really think I am blessed. I was co-signer on the loan. The account wasn't even paid in full. It was settled for less than the full amount before I GW'd. The circumstances around it are pretty unique though so my letter was rather unique too. I emailed a very polite and logical letter to the president of the company and got a nice response from him about a week later that he was having someone look into it. A couple of days later I got an email from someone else there saying she had reviewed the account and that it was very out of the ordinary for her to GW it, but because of x, y, and z she would be removing it from all 3 CRAs. The way she said it made it seem like it wasn't her choice, but rather the President's. So maybe I am more of a smooth talker than I thought I was.

BTW, it wasn't through Toyota. Sorry!

Re: AMEX BCP CLI

RyVision — Wed, 25 Jan 2012 16:40:28 GMT

@nomoore wrote:
@Anonymous wrote:
First of all -- CONGRATULATIONS on your CL increase with AMEX BCP.

How in the world were you able to get your repo off your CRs? We have been trying to accomplish this very same thing (GW-ing a repo off the CRs) with absolutely NO luck whatsoever. Toyota is being 100% stubborn on this saying: "Absolutely and unequivocally, NO!"

You have been greatly blessed!!!
I really think I am blessed. I was co-signer on the loan. The account wasn't even paid in full. It was settled for less than the full amount before I GW'd. The circumstances around it are pretty unique though so my letter was rather unique too. I emailed a very polite and logical letter to the president of the company and got a nice response from him about a week later that he was having someone look into it. A couple of days later I got an email from someone else there saying she had reviewed the account and that it was very out of the ordinary for her to GW it, but because of x, y, and z she would be removing it from all 3 CRAs. The way she said it made it seem like it wasn't her choice, but rather the President's. So maybe I am more of a smooth talker than I thought I was.

BTW, it wasn't through Toyota. Sorry!

I am sitting here with a totally spotless report wanting a BCE or BCP and am in complete and utter awe of anyone being able to score one with a repo on their report.

HUGE congrats on the card, the CLI and the GW success!

Re: AMEX BCP CLI

nomoore — Wed, 25 Jan 2012 17:22:33 GMT

@RyVision wrote:
I am sitting here with a totally spotless report wanting a BCE or BCP and am in complete and utter awe of anyone being able to score one with a repo on their report.

HUGE congrats on the card, the CLI and the GW success!

@I didn't have the repo when I got approved. Initially the repo was the only baddie on my CR so decided to try it anyway since the repo was 5 years old. I applied for the BCP and got denied. Then I immediately decided to try a GW to get the repo off. A week later I had succeeded so I waited a few days until it showed up on my CRs and then did a recon with AMEX. With the repo gone and an otherwise spotless (1 revolving card w/ 5900CL, no mortgage, several installment) CR they approved me with a $2000 CL @Anonymous.24%.

I never thought I had a snowball's chance in hell of getting that repo GW'd but once I got denied for BCP I figured I would try anyway. I was shocked when it came off on the first try.

Re: AMEX BCP CLI

RyVision — Wed, 25 Jan 2012 18:13:41 GMT

Ah, well then HUGE Congrats on the GW success, then the Card Then the CLI Still all awesome even though I feel better about the GW coming before the card

Re: AMEX BCP CLI

nomoore — Wed, 25 Jan 2012 19:38:13 GMT

Thanks RyVision. It does feel great. I could never have gotten any of it done without the great people and info on this forum. Glad you feel a little better too. I hope you keep hangin' in there and get a BCP of your own one day.

Re: AMEX BCP CLI

Anonymous — Wed, 25 Jan 2012 19:40:02 GMT

how is the cash back working for u Nomoore?

Re: AMEX BCP CLI

nomoore — Wed, 25 Jan 2012 19:49:43 GMT

I'm loving it! I have only had it since Aug and already have over $200 in cash back (in addition to the initial $100 bonus). I put all that I can through it except target purchases. I even use it to pay a few of my bills. I am looking hard at the Citi Forward to be my next card though. We tend to eat out a lot.

Re: AMEX BCP CLI

Anonymous — Wed, 25 Jan 2012 19:53:05 GMT

@nomoore wrote:
I'm loving it! I have only had it since Aug and already have over $200 in cash back (in addition to the initial $100 bonus). I put all that I can through it except target purchases. I even use it to pay a few of my bills. I am looking hard at the Citi Forward to be my next card though. We tend to eat out a lot.

u know i was looking at my points this morning on the citi forward and was not impressed at what i could get back and if i needed to buy points to get what i wanted b/c i was short some points i fell out of my chair at the cost of those points