AMEX Internal Score, Soft Pull (Recent/New) and 3XCLI

[taxi818]

I kind of agree with you all. My green card before said 2k would not go thru. Now I checked and 5k is good. So I must be doing something right.  I'm notsurewhat. My 61 day on my delta is 6 days. Not sure what to think. Only have 3500 starting limit. So I'm gonna ask for 10.500. Not sure. Should I just say 10k. Forget the 500?

[ojefferyo]

Do the full thing

[taxi818]

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@ojefferyo wrote:

Do the full thing

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Just don't want the dreaded denial. As I'm gonna carry very small balance. About 500. I saw several with balance get their increase. If it wasn't too much. So I'm trying. Until after holidays. And I  have another question since we are talking of this. How do I get pay over time on my green card. As I want to travel in 6 months. And will have some big ticket expenses on tickets and hotels. 

[ojefferyo]

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@taxi818 wrote:

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@ojefferyo wrote:

Do the full thing

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Just don't want the dreaded denial. As I'm gonna carry very small balance. About 500. I saw several with balance get their increase. If it wasn't too much. So I'm trying. Until after holidays. And I  have another question since we are talking of this. How do I get pay over time on my green card. As I want to travel in 6 months. And will have some big ticket expenses on tickets and hotels. 

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the system will counter if the whole amount is not approved

I was offered it at the time I activated my PRG, I think it may have something to do with their internal thing. Can't hurt to call and ask though. Or you could get a revolver and use that, I'm sure by that time you'll have a pretty good internal score with them being you don't pay late.

Being that AMEX doesn't like balances much maybe a better choice would be a whole different lender. Chase, discover Barclay to name a few

[Anonymous]

This is cute. I just checked it again since i'm at a computer where I can save an image.

Now i'm approved for $21,000 of spending on my BSP.

[chalupaman]

Here's what mine says. I'm really surprised. When I put 10K though, it came back with some message saying that I was conditionally approved to spend whatever's left of my available credit and that the 10K wasn't approved. I'm definitely going to call them soon to see how much spending ability I exactly have on this card.

Now I definitely know what I'm not going to try to increase my limit to come next February.

[Anonymous]

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@chalupaman wrote:

Here's what mine says. I'm really surprised. When I put 10K though, it came back with some message saying that I was conditionally approved to spend whatever's left of my available credit and that the 10K wasn't approved. I'm definitely going to call them soon to see how much spending ability I exactly have on this card.

Now I definitely know what I'm not going to try to increase my limit to come next February.

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Interesting.

I'm kinda torn between trying for a CLI in January on my BSP, or my ED.

If I get a crack at a bigger CLI (Ask for $24,000?) on my BSP, I can move over the difference to my ED and have over $12,000 on both cards.

However if I do so on the ED, I only have a shot for up to $4,500 from $1,500 it's currently at.

[ojefferyo]

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@Anonymous wrote:

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@chalupaman wrote:

Here's what mine says. I'm really surprised. When I put 10K though, it came back with some message saying that I was conditionally approved to spend whatever's left of my available credit and that the 10K wasn't approved. I'm definitely going to call them soon to see how much spending ability I exactly have on this card.

Now I definitely know what I'm not going to try to increase my limit to come next February.

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Interesting.

I'm kinda torn between trying for a CLI in January on my BSP, or my ED.

If I get a crack at a bigger CLI (Ask for $24,000?) on my BSP, I can move over the difference to my ED and have over $12,000 on both cards.

However if I do so on the ED, I only have a shot for up to $4,500 from $1,500 it's currently at.

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Do the BSP and move some to ED, sounds like a win win to me

[chalupaman]

Yeah I'm wondering whether I should try the Delta card again for a CLI or do it on my BCE. It would be nice to end up with a 6k limit so I can get higher limits for future approvals though I don't use the card as much anymore. I'm probably gonna try for 8k in February and see if they counter since it will be 6 months after my last CLI