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AmEx CLI or app for New?

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stagefoursurvivor
Established Contributor

AmEx CLI or app for New?

Either of my two revolvers will be eligible for the 61 day CLI end of January and I plan to app for another revolver & charge card(2 for 1).

The question is, should I get the CLI or app for new cards first? Is one option more likely to derail the second?

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 1 of 13
12 REPLIES 12
ojefferyo
Valued Contributor

Re: AmEx CLI or app for New?

Shouldn't make too much of a difference as long as your profile supports it.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 2 of 13
taxi818
Super Contributor

Re: AmEx CLI or app for New?


@ojefferyo wrote:

Shouldn't make too much of a difference as long as your profile supports it.


+1 but why have so many cards with the same lender? is there something to this? i understand for util but for diversity. i would go with someone else. will that give you 4 cards with amex??

Message 3 of 13
stagefoursurvivor
Established Contributor

Re: AmEx CLI or app for New?


@taxi818 wrote:

@ojefferyo wrote:

Shouldn't make too much of a difference as long as your profile supports it.


+1 but why have so many cards with the same lender? is there something to this? i understand for util but for diversity. i would go with someone else. will that give you 4 cards with amex??


MSD 1984

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 4 of 13
CreditCuriosity
Moderator Emeritus

Re: AmEx CLI or app for New?


@stagefoursurvivor wrote:

@taxi818 wrote:

@ojefferyo wrote:

Shouldn't make too much of a difference as long as your profile supports it.


+1 but why have so many cards with the same lender? is there something to this? i understand for util but for diversity. i would go with someone else. will that give you 4 cards with amex??


MSD 1984


Very valid!

Message 5 of 13
taxi818
Super Contributor

Re: AmEx CLI or app for New?


@CreditCuriousity wrote:

@stagefoursurvivor wrote:

@taxi818 wrote:

@ojefferyo wrote:

Shouldn't make too much of a difference as long as your profile supports it.


+1 but why have so many cards with the same lender? is there something to this? i understand for util but for diversity. i would go with someone else. will that give you 4 cards with amex??


MSD 1984


Very valid!


 Says it all. 1984. I can only wish. 

Message 6 of 13
ojefferyo
Valued Contributor

Re: AmEx CLI or app for New?

Mine is only 2000 dammit lol

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 7 of 13
stagefoursurvivor
Established Contributor

Re: AmEx CLI or app for New?

Got my answer, although not the one I wanted, 3X CLI...declined. Might have been different if they'd done a SP or HP.

My creditsesame jumped 76 points which is an "indicator" of where my CRs are headed

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 8 of 13
taxi818
Super Contributor

Re: AmEx CLI or app for New?

You can't rely on credit sesame. Two different models. I lost 90 points there for closing account. Really. I lost 0 on fico. Why don't you do your self a service and look at your ficos. Sesame is not indicator of nothing except experian plus scores. Even experian themselves went back to fico. Different scoring model. Sorry for your decline. You can try again in 90 days. My friend was also declined his 3x cli.
Message 9 of 13
Anonymous
Not applicable

Re: AmEx CLI or app for New?


@taxi818 wrote:

@CreditCuriousity wrote:

@stagefoursurvivor wrote:

@taxi818 wrote:

@ojefferyo wrote:

Shouldn't make too much of a difference as long as your profile supports it.


+1 but why have so many cards with the same lender? is there something to this? i understand for util but for diversity. i would go with someone else. will that give you 4 cards with amex??


MSD 1984


Very valid!


 Says it all. 1984. I can only wish. 


That is amazing. Your AMEX and I were born the same year... I hope one day to be able to backdate 30 years! Wowza. 

Message 10 of 13
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