DPs for Amex Prime/BBC CLI Requests?

[GApeachy]

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@FinStar wrote:

Aside from the AmEx Amazon Prime, have you revolved any balances on BCP?

Perhaps, instead of multiple payments in a cycle, start adjusting them to be PIF when a statement cuts, and try again after 91 days.

Of noteworthy, if it matters to you, you can allocate some of the CL from BCP (just can't do biz to personal).  That said, if you're only using a small portion on AmEx biz, maybe AmEx feels you have sufficient exposure at this time across both revolvers.

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I think that's it ^^^^^.  Same thing on dh's acct.  We were using all of our cards with most of the spend just so happened to go on my cards because they are Lowe's and Amazon.  

He requested a cli on one of his cards that don't get the spend the others do and he got the same response as you @Wavester64 .  

Now we're in the experimental stage with 80% spend going towards the card he wants to grow and the other 20% towards the other biz card he has.  Basically mine are sd'd for the time being.  Just putting some small usage on them to keep active until we figure this out.

Also, it might be that Amex isn't willing to extend anymore credit to him either.

If and when they grant a cli, I'll provide you with some dp's.  Might be awhile.  Good Luck on yours!

[GApeachy]

@Wavester64 btw, his pymts were around the $2-4k range, so I thought it was weird that Amex said the pymts were too small too.  Another dp I forgot to mention upthread is I only pay stmt. balance, not full balance because some things are just a few days old, so why do that? Might as well use a debit card.

When I got my Amazon cli after 6 or 7 months (I forgot to even ask before then) I paid all of my accts. the same way, full stmt. balance, but not total balance.  I got an $11k cli.  Same with my Lowe's, $10k.  So I don't think it's a total PIF that's required.  But those stmt. balance pymts were like dh's anywhere between $3-5k and sometime or most times I'd split that between 2 pymt/month, so I'm not so sure doing multiple pymts. would be a total cause either.  I don't like high balances, esp. in this economy so I will continue to pay as I see fit.  Just wish I knew what they see as fit.

Also, don't forget to call in and ask if you qualify for an apr reduction, I did and they dropped mine 2%.  Still high but I'll take it.  I think you can request every year.