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CLI - Should I call Amex?

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jd403
Regular Contributor

CLI - Should I call Amex?

I have an Amex Optima card and a bit ago was doing a chat with Amex and asked for a CLI.  The unusual part for me is that I was asked how much I wanted to request.  I went conservative and said $500.  He also told me that I have to wait for 6 months before requesting again.  I was approved instantly for the $500 but is it worth calling and talking to the credit team to see if they would do more or just be content?

 

my scores today are TU - 686 EX - 683 EQ 643

 

 

FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
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2 REPLIES 2
RonM21
Valued Contributor

Re: CLI - Should I call Amex?

To me, because it's another 6 months until the next one, I don't see the harm in trying that. As long as it is not a HP. The worst they say is no, and at least you'll have a clear mind in knowing nothing was left on the table.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 3
jd403
Regular Contributor

Re: CLI - Should I call Amex?


@RM21 wrote:
To me, because it's another 6 months until the next one, I don't see the harm in trying that. As long as it is not a HP. The worst they say is no, and at least you'll have a clear mind in knowing nothing was left on the table.

That is what I was thinking.  Tonight was a SP so I'll give a call tomorrow and just see what they say

FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
Message 3 of 3
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