Amex has always been a strange breed in my experiences. I never got a CLI on the card that I had with them prior to my Ch 13 ($2500 Delta Amex)... but I did make sure it was paid off and closed prior to filing so I didn't burn that bridge. I used the card on all my flights and randomly for other purchases. Not heavy usage... but definitely average.
I have a friend who is 700+ and she's had a $1000 Delta for the last 3-4 years and has never gotten a CLI. I asked her how often she uses it and she's like "a couple times a year."
That would be why. LOL
FICO8 current as of :
10-20-25 EQ:
736 TU:
728 EX:
722Hard INQs last 12 months: EQ:
0 | TU:
0 | EX:
0Verizon Visa
$8500 Amex Delta Reserve
$10,000 Care Credit
$18,000NFCU CashRewards
$7500 Apple Card
$7000 Best Buy
$8000 Amazon
$5000NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray)
6.95%NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome)
9.45%Total CL:
$64,000 --- Total CC UTI:
31% --- AAoA:
6.5 years --- Income:
$200kLast app:
4-6-24