Hi guys, My Amex Everydays initial CLI is 2k, i got it to 6k after 61 days, and then asked for 18k at 1st 6 month, got counteroffered for 14.7k,happily accepted. Then in November, i move some of my CLI from Blue cash to the Everyday,for a new total CLI of 20.1k. It will reach its 2nd 6 months from last CLI in Feb 20, my question is what is the maximum credit i can request?
Another question is i just pass my 3 months since having Discover it card. The 1st time i applied for it is in 10/2013,got approved for 500,hurt my pride so i asked to close it right then, the account never reported. Then, i applied again in 11/2014,approved for 2k,my lowest CLI, my min CLi with 4 major banks is 8k.nevertheless,i accepted thinking i would ask for an increase after 90 days. How much do you guys think i can get approved for? My uti is 19%, and i do use it heavily.
@Anonymous wrote:what are your scores, other cards, other limits? AMEX is usually generous giving out high CLs so I wouldn't expect your other cards to have such high CLs. Also, be careful when asking other CC companies for CLIs because most of them require a HP. Not that it matters now because it's in the past...but for future reference opening an account and closing it right away just because you didn't like the CL can hurt your AAoA. There is a list of backdoor numbers on this site that you can call and recon for a higher starting CL
I tried recon with Discover, not working, and i got the rep to confirm with me the account not gonna appear on my credit report b4 cancel, and it never appear. My EX score 720,TU fico 710,i have 4 chase cards, 2 Amex card, 1BoA,1Citi.all 4 chase total CLi 31k,2nd Boa 17.5k,3rd BoA 15k.Initially b4 moving credit, my everyday cli is only 14.7k.So do you think they count the increase from that? Or will they match my chase CLi?
bigbang91 wrote:
The 1st time i applied for it is in 10/2013,got approved for 500,hurt my pride so i asked to close it right then
Pride shouldn't be a factor. Keep in mind that you're taking hits for the hard pull and reduction to your AAoA every time you apply and are approved. Again, your credit and income determine the limit you stand to receive. If you're unhappy with what you get then you should work on your credit instead of taking it as some sort of personal insult
AGAIN, if you read my posts, i already stated that the credit analyst guarantee the account would not appear on my report, it means that my AaoA isnt affected. And also at the time, none of my card's limit is under 4k,so yes i considered 500 is an insult to my credit file