So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
@bigbang91 wrote:So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
Im confused with the question regarding Amex 2xcli. Are you saying you received a 2x cli recently? You want to request only a 2xcli?
As for Chase (and any other lender) freezing CRs are for security purposes, not for you to use it in the hopes that a lender will pull a more favorite bureau.
@bigbang91 wrote:So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
I remember you. You were the one going to be daring to ask Amex for $80k for CLI if I remember in March? Based on your question above, I am guessing you won't be doing it? Because I am awaiting the result should you try that...
@09Lexie wrote:
@bigbang91 wrote:So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
Im confused with the question regarding Amex 2xcli. Are you saying you received a 2x cli recently? You want to request only a 2xcli?
As for Chase (and any other lender) freezing CRs are for security purposes, not for you to use it in the hopes that a lender will pull a more favorite bureau.
Lexie, cause from all the cards that i were approved, chase used ex exclusively for their decision. So i wonder why they always pull 3. My Amex ED limit is 20.1k now, i would like to ask for 40k
@Anonymous wrote:
@bigbang91 wrote:So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
I remember you. You were the one going to be daring to ask Amex for $80k for CLI if I remember in March? Based on your question above, I am guessing you won't be doing it? Because I am awaiting the result should you try that...
No, 60k is my 3x. Well i was thinking 3x,but then i have 3 Inqs within this month and 2 new accounts, so im afraid they will denied me instantly if im asking too much lol. So i opt for 2x,40k,which is still roughly 30% of my income, 5 more days. Right after my CSP reports 0,uti fall to 12%,im gonna go for my cli
@newhis wrote:If I have one Amex at 20.1K and another at 2K, I would transfer 5K from one to the other and then ask 3X for the lower limit card, potentially getting 2 cards with over 15K. I won't try going over 25K with Amex on a single card.
I cant, my ED is only 11 months old, cant move credit away from it
@bigbang91 wrote:
@09Lexie wrote:
@bigbang91 wrote:So this Wednesday is when i am eligible for 3xCLI on my Amex ED. Since i got the ED, i have 8 Inqs ,4 within 6 months. 3 new accounts,2 accounts havent report yet,1 new Amex account, 2k cli. I want to know what do you guys think of my chances to get full 2x?my ED's limit is currently 20.1k,and i would like to shoot for the star and let amex counteroffer.
Another question is will Chase still approve if i freeze my EQ? They always pulled 3x for my apps, and all the letters said decision base on EX, so i mean why bother to pull the others? CLI increase also an EX's pull. I would like to freeze both my EQ and TU, but EQ alone is fine. Im thinking of the IHG but also tempted by Ritz, bc lots of ppl report getting enormous cli on that card, which one should i go for? Im following my chase app pattern, 09/2013 then 10/2013 follow by 4/2014,this year 01/2015 and would like another card b4 gardening. Tks!
Im confused with the question regarding Amex 2xcli. Are you saying you received a 2x cli recently? You want to request only a 2xcli?
As for Chase (and any other lender) freezing CRs are for security purposes, not for you to use it in the hopes that a lender will pull a more favorite bureau.
Lexie, cause from all the cards that i were approved, chase used ex exclusively for their decision. So i wonder why they always pull 3. My Amex ED limit is 20.1k now, i would like to ask for 40k
Lenders pull multiple bureaus for various reasons. Why Chase based theirs on your EX is anybody's guess. You might end up with a denial or request to unfreeze.
As far as myFICO is concerned, freezing to force another bureau pull is against the TOS.
Btw, chase is not new accounts and inqs sensitive right?
@bigbang91 wrote:Btw, chase is not new accounts and inqs sensitive right?
They can be, depending on your credit profile.