topic Re: AMEX 3x CLI question in Credit Cards

AMEX 3x CLI question

beech2292 — Tue, 27 Aug 2013 02:58:17 GMT

I'm still a month away from even being able to ask for a CLI, but wanted to ask your guys' opinion on if I should wait on asking for a CLI or not.

About a month ago did a CC app spree and added a bunch of HP's to my reports (AMEX being one of them). My question is will this hurt me when asking for the 3x CLI from them?

Some extra info

My current scores are in my sig below.

Current AAOA is 1 year

HP's on Experian is 7, I don't know how many are on my other 2 reports as of right now.

Re: AMEX 3x CLI question

myjourney — Tue, 27 Aug 2013 03:07:51 GMT

@beech2292 wrote:
I'm still a month away from even being able to ask for a CLI, but wanted to ask your guys' opinion on if I should wait on asking for a CLI or not.

About a month ago did a CC app spree and added a bunch of HP's to my reports (AMEX being one of them). My question is will this hurt me when asking for the 3x CLI from them?

Some extra info
My current scores are in my sig below.
Current AAOA is 1 year
HP's on Experian is 7, I don't know how many are on my other 2 reports as of right now.

No way to know if you should wait or not . I can tell you it never hurts to ask since it's a SP anyway and worst case you have to wait another 90 days to try again

Re: AMEX 3x CLI question

beech2292 — Tue, 27 Aug 2013 06:11:01 GMT

@myjourney wrote:
@beech2292 wrote:
I'm still a month away from even being able to ask for a CLI, but wanted to ask your guys' opinion on if I should wait on asking for a CLI or not.

About a month ago did a CC app spree and added a bunch of HP's to my reports (AMEX being one of them). My question is will this hurt me when asking for the 3x CLI from them?

Some extra info
My current scores are in my sig below.
Current AAOA is 1 year
HP's on Experian is 7, I don't know how many are on my other 2 reports as of right now.
No way to know if you should wait or not . I can tell you it never hurts to ask since it's a SP anyway and worst case you have to wait another 90 days to try again

Is it only 90 days? I thought it was 6 months?

Re: AMEX 3x CLI question

OhioCPA — Tue, 27 Aug 2013 11:50:32 GMT

@beech2292 wrote:
@myjourney wrote:
@beech2292 wrote:
I'm still a month away from even being able to ask for a CLI, but wanted to ask your guys' opinion on if I should wait on asking for a CLI or not.

About a month ago did a CC app spree and added a bunch of HP's to my reports (AMEX being one of them). My question is will this hurt me when asking for the 3x CLI from them?

Some extra info
My current scores are in my sig below.
Current AAOA is 1 year
HP's on Experian is 7, I don't know how many are on my other 2 reports as of right now.
No way to know if you should wait or not . I can tell you it never hurts to ask since it's a SP anyway and worst case you have to wait another 90 days to try again

Is it only 90 days? I thought it was 6 months?

90 days if declined, six months if approved.

Re: AMEX 3x CLI question

SnackTrader — Tue, 27 Aug 2013 13:24:08 GMT

I would say it is always worth trying. It isn't 3X or nothing since they counter, so you're scenarios are as follows:

A) declined, wait 90 days
B) countered for a smaller increase, wait 6 months
C) approved for 3X

Nothing bad happens in any of those scenarios, and you get an increase for an SP in the other two. No reason to wait, IMO.

Re: AMEX 3x CLI question

beech2292 — Tue, 27 Aug 2013 21:56:58 GMT

Alright, thank you both!

Looking forward to next month when I can apply for that 3x CLI then