topic Re: My First Amex CLI in Credit Cards

My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:11:10 GMT

I had been planning for a few weeks to request my first CLI on my Amex Delta once the new year rolled around. Figured one day early couldn't hurt.

Instantly approved $1K to $2K.

I'm still going to have to make multiple payments each month, considering how much money I pump through this card, but it feels good to get an instant CLI approval from them.

Next request: around Sept or Oct. And I'm going to make that one count.

Re: My First Amex CLI

MidnightVoice — Mon, 31 Dec 2007 18:12:09 GMT

cheddar wrote:
I had been planning for a few weeks to request my first CLI on my Amex Delta once the new year rolled around. Figured one day early couldn't hurt.

Instantly approved $1K to $2K.

I'm still going to have to make multiple payments each month, considering how much money I pump through this card, but it feels good to get an instant CLI approval from them.

Next request: around Sept or Oct. And I'm going to make that one count.

How old is the account?

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:13:20 GMT

Pbbbblt!

Based on our previous discussion about this it feels like you got picked first for dodgeball on the playground!

Seriously though, congrats!

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:14:18 GMT

MidnightVoice wrote:

cheddar wrote:
I had been planning for a few weeks to request my first CLI on my Amex Delta once the new year rolled around. Figured one day early couldn't hurt.

Instantly approved $1K to $2K.

I'm still going to have to make multiple payments each month, considering how much money I pump through this card, but it feels good to get an instant CLI approval from them.

Next request: around Sept or Oct. And I'm going to make that one count.

How old is the account?

About 60 days.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:16:48 GMT

WhirledPeasPlease wrote:
Pbbbblt!

Based on our previous discussion about this it feels like you got picked first for dodgeball on the playground!

Seriously though, congrats!

LOL thanks! It was our discussion in the other thread that made me pull the trigger earlier than I had planned to.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:34:42 GMT

I have not gotten any love from AMEX-

They are on my sock drawer list.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 18:52:45 GMT

LOL thanks! It was our discussion in the other thread that made me pull the trigger earlier than I had planned to.

Well gee. On the topic of AMEX I decided to take the Credit Secure plunge for 'poops and giggles' and I like the PLUS scores. Of course, EQ still hates me, but it was nice to see TU say I have a 729 PLUS score which qualifies as EXCELLENT! So, the verdict? TU729/EX716/EQ654 - darn those inquiries. For yet another round of self-inflicted pain I pulled my 'free' SW again for EQ and it's stuck at 618. C'mon people, I've been paying you for years for SW - can you show me some love?

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:03:00 GMT

Amex is so picky about CLIs.

They're sticklers about giving them if your score isn't at least 680 and you have to show them you don't need them.

Low util on the card every month. blah.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:10:45 GMT

TheCynicalOne wrote:
Amex is so picky about CLIs.

They're sticklers about giving them if your score isn't at least 680 and you have to show them you don't need them.

Low util on the card every month. blah.

I took the exact opposite tack.

I pumped 150-200% of my CL through my card, PIFfing about once a week in order to send the message that this low, low CL is really hindering my ability to charge all the things I want to charge. Not sure if that had anything to do with getting the CLI or not, but I certainly didn't bother trying to show them I didn't need one.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:20:08 GMT

I tried that method.

System doesn't care how much business you give the card. Pretty much just contingent upon cbr and utilization with other creditors in order to obtain it.

Also factors in your tendency to revolve a balance. It's nicer to the PIF folks.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:21:10 GMT

TheCynicalOne wrote:
Amex is so picky about CLIs.

They're sticklers about giving them if your score isn't at least 680 and you have to show them you don't need them.

Low util on the card every month. blah.

Oh well, I'll put 1k on the AMEX and 1k on the Discover Rewards so I'll just split the reward benefits. I'm putting in new flooring in my house and will PIF on both cards. I was just hoping to get some extra miles to make it past my driveway and around the corner perhaps!

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:37:24 GMT

TheCynicalOne wrote:
I tried that method.

System doesn't care how much business you give the card. Pretty much just contingent upon cbr and utilization with other creditors in order to obtain it.

Also factors in your tendency to revolve a balance. It's nicer to the PIF folks.

Well I guess that makes sense then. I haven't looked at my EX score for a month but it was 689 on Dec 1. I've PIFfed multiple times in the two months I've had the card, and my overall util on EX is 3%.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:38:19 GMT

Congrats cheddar!

I was a bit more brave earlier this month. After having my Blue for less than 60days I went from $2k to $5k instantly.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:45:09 GMT

cheddar wrote:

TheCynicalOne wrote:
I tried that method.

System doesn't care how much business you give the card. Pretty much just contingent upon cbr and utilization with other creditors in order to obtain it.

Also factors in your tendency to revolve a balance. It's nicer to the PIF folks.

Well I guess that makes sense then. I haven't looked at my EX score for a month but it was 689 on Dec 1. I've PIFfed multiple times in the two months I've had the card, and my overall util on EX is 3%.

There you go! You're the type of cardmember amex loves. You can pretty much get approved or negotiate with any type of request. Try inquiring for an apr reduction if you're not at the standard rate.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 19:57:44 GMT

Anderson wrote:
Congrats cheddar!

I was a bit more brave earlier this month. After having my Blue for less than 60days I went from $2k to $5k instantly.

Awesome! Congrats yourself!

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 20:00:29 GMT

TheCynicalOne wrote:

cheddar wrote:

TheCynicalOne wrote:
I tried that method.

System doesn't care how much business you give the card. Pretty much just contingent upon cbr and utilization with other creditors in order to obtain it.

Also factors in your tendency to revolve a balance. It's nicer to the PIF folks.

Well I guess that makes sense then. I haven't looked at my EX score for a month but it was 689 on Dec 1. I've PIFfed multiple times in the two months I've had the card, and my overall util on EX is 3%.

There you go! You're the type of cardmember amex loves. You can pretty much get approved or negotiate with any type of request. Try inquiring for an apr reduction if you're not at the standard rate.

Well that is good to know. I'm already at the standard 17.49 APR on this card, which is the only rate listed in the T&C, but thanks for the tip!

Re: My First Amex CLI

MidnightVoice — Mon, 31 Dec 2007 20:02:38 GMT

I will be waiting a while. My EX has gone up 50 points since I got the card 3 weeks ago, but I want to PIF the money I have spent, set up automatic minimum payment, and get all my other cards reporting very low. As my TU and EQ are 50 points higher than my EX, I hope to persuade Amex to go over the famous $10,000 limit!

Should be sometime in February I hit the button

Message Edited by MidnightVoice on 12-31-2007 02:02 PM

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 20:42:03 GMT

cheddar wrote:
Well that is good to know. I'm already at the standard 17.49 APR on this card, which is the only rate listed in the T&C, but thanks for the tip!

I've seen rates on blue as low as 11.24 %. I've also seen on blue cash (I see you've got the regular) rates at fixed 9.99%.

Maybe you can get it lowered a little bit. Or if your score bumps up you'll qualify. They always try to say you're the lowest when you're not.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 20:51:54 GMT

I take back what I just said.

I just spoke with someone with a 10.29 percent interest rate on Blue Classic.

Re: My First Amex CLI

Anonymous — Mon, 31 Dec 2007 21:11:00 GMT

Well that is crap-

I PIF (I did revole a blanace in july)

I PIF all of my accounts -

My Ex is 90 points higher than when I opened my account 6 month ago.

I am good enough for a Green but not a CLI?

I got my free 30K miles and my AF down to $30 - I guess it is going in the SD utill CLI-

As TheCynicalOne said- it does not matter how much you out though it- then it's just not worth the effort -

Maybe I need to go down to the local Amex call center and buy some people some beers. (hint)

END RANT-

TheCynicalOne wrote:

I tried that method.

System doesn't care how much business you give the card. Pretty much just contingent upon cbr and utilization with other creditors in order to obtain it.

Also factors in your tendency to revolve a balance. It's nicer to the PIF folks.

Message Edited by Timothy on 12-31-2007 01:11 PM