topic BCE CLI Questions in Credit Cards

BCE CLI Questions

Anonymous — Fri, 15 Mar 2013 03:59:28 GMT

I recieved my card today, omg its beautiful! Anyways, it shows that my account was opened on March 8th, so according to my calculation I can apply on the 8th of May. My question is, do you guys PIF before or after the statement cuts?In other words, do you let the balance post for those two statements?

Members who has done CLI with BCE, if you could chime in, I greatly appreciate it.

Re: BCE CLI Questions

toppers555 — Fri, 15 Mar 2013 04:04:45 GMT

@Anonymous wrote:
I recieved my card today, omg its beautiful! Anyways, it shows that my account was opened on March 8th, so according to my calculation I can apply on the 8th of May. My question is, do you guys PIF before or after the statement cuts?In other words, do you let the balance post for those two statements?

Members who has done CLI with BCE, if you could chime in, I greatly appreciate it.

Remember you need to wait 61 days. Also there is an amex sticky that explains the 3x cli process. Also you may want to wait untill an updated sp from amex depending on the timing of your 61th day.

Re: BCE CLI Questions

youngandcreditwrthy — Fri, 15 Mar 2013 04:06:55 GMT

Yeah, request it May 9th.

I used like 20% of my limit and pif'd the first two months to get my 3xcli!

Re: BCE CLI Questions

Anonymous — Fri, 15 Mar 2013 16:58:45 GMT

I read the sticky already. According to the calculation, 8th would be the 61st day. How do I check if they updated soft pull?

Re: BCE CLI Questions

youngandcreditwrthy — Fri, 15 Mar 2013 18:31:19 GMT

ah I was assuming both months had 30 days LOL...

Check your EXP report..

you can get it for free if they didnt give you the best terms..

or if you need to dispute something.

Re: BCE CLI Questions

Anonymous — Sat, 16 Mar 2013 01:39:52 GMT

I got no apr for 1.5 yrs and 12.99 after, i think thats the best term, correct me if I'm wrong.

Re: BCE CLI Questions

credit_wise — Sat, 16 Mar 2013 01:48:33 GMT

You need to make sure if the 0 APR is on purchases or BT. I've seen several surprises there.

Re: BCE CLI Questions

SnackTrader — Sat, 16 Mar 2013 15:13:09 GMT

I used my card for less than $1,000, made 2 payments and scheduled another from my bank account, and got the full 3x CLI from 4.5k to 13k.

Based on what I did, just use your card as you plan to use it, pay in full multiple times, and hope for the best! Good luck!

Re: BCE CLI Questions

codimom — Sat, 16 Mar 2013 15:45:37 GMT

My personal experience was, after I activated my card i used it in place of my debit card . The first billing cycle i paid more than 1 payment to keep the util low, but then just used it and paid it. I did let a balance (small, a little over 1%) report right before i requested my first 3x cli. as i said i my newest thread, i just requested my 2nd 3x and it was approved as well. first one was 61 days after activation, second was 6 months (plus a few days) after the first cli (not 6 months after activation). use it, take care of it, and it will grow with you

Re: BCE CLI Questions

Anonymous — Sat, 16 Mar 2013 16:15:17 GMT

I'm gonna use less than 20% and PIF before statement cut. I been seeing people getting denied lately so I'm just a little worried.

Re: BCE CLI Questions

youngandcreditwrthy — Sun, 17 Mar 2013 00:08:59 GMT

Wait...
So you got 1.5 years of 0% on purchases
As in 18 months?!?!
No way! That's cray! Lol Im jelly!
Be aware; Amex typically doesn't offer 0% of bal xfers- that 0% is usually only for purchases!

Re: BCE CLI Questions

Anonymous — Sun, 17 Mar 2013 22:38:31 GMT

@youngandcreditwrthy wrote:
Wait...
So you got 1.5 years of 0% on purchases
As in 18 months?!?!
No way! That's cray! Lol Im jelly!
Be aware; Amex typically doesn't offer 0% of bal xfers- that 0% is usually only for purchases!

Yup, 18 months only on purchases. When on creditcards.com and did the cardmatch and thats what they said I qualtify for.