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Can someone help me out with counting days? lol

New Contributor

Re: Can someone help me out with counting days? lol


@JR_TX wrote:

I’ve always asked Siri. Never been wrong!


LOL that actually worked. Tomorrow is day 61 and im finally sure of it. 

Message 11 of 21
Valued Contributor

Re: Can someone help me out with counting days? lol


@JR_TX wrote:

I’ve always asked Siri. Never been wrong!


No way am I going to ask siri her opinion on anything after she has sat on the desk all day doing nothing. I guess that is why I'm single. I wonder though has one siri ever gotten into an argument with another siri?



TU fico08=831 05/31/18
EX fico08=800 06/18/18
EQ fico08=826 04/18/18
EX fico09=823 06/02/18
EQ fico bankcard08=856 05/22/18
Message 12 of 21
Established Member

Re: Can someone help me out with counting days? lol

At the time of account opening, my Experian Fico 8 was 675. My utilization across cards was 0 percent except for a $10 balance on one card. I initially received a 7-10 day message and called a backdoor number immediately and was granted $4k with the ED card.

I applied for the ED card because I thought it was easier to get approval for than the BCE. I now don’t believe that to be the case. Later that night I applied for the BCE since that’s the one I really wanted and was instantly approved for $4k.

I was instantly denied two months earlier with a 668 FICO 8 when one card’s utilization was around 45 percent.
Message 13 of 21
Established Contributor

Re: Can someone help me out with counting days? lol

CountCountsLP(2) (1).jpg

 

And so do I. And apparently AverageJoesCredit as well.

In the garden growing cheeseburgers since 6/15/18  photo 179364_04Jun11_P1000776_zpspc2gmb9x.jpg
Message 14 of 21
Established Member

Re: Can someone help me out with counting days? lol

It must not be 61 days as judged by Eastern time. I just applied at 12:05 EDT and got the 7-10 day message.

Almost immediately I got an email saying a decision had been reached. Email indicated to call a number. I called and was informed a CLI request was not found. This is the same message I’ve received once before for attempting a CLI before 61 days. After that request I got a letter indicating I needed to have the account open 60 days.

I will try again at 3:05 AM EDT (12.05 AM PDT).
Message 15 of 21
Valued Contributor

Re: Can someone help me out with counting days? lol


@CybeRise wrote:

So I want to try the Amex 3xCLI. I opened my account April 13. By my calculation. The 61st day is tomorrow (6/12). But Im scared i might be wrong and screw up the CLI button lol.

 

Also, what are my odds?

My utilization is at 5%

I have put heavy use on the card. About 3k since I opened it. I currently have a credit of $47. I overpaid it seems. 

Discover 2k

Amex 1k

Amazon Store Card 1k

Credit One $450

Capital One $350 (when do these people give increases!!$$$!)


OK...I'm up to April 23, but I'm now out of fingers so someone else will have to pick up from here!



TU fico08=831 05/31/18
EX fico08=800 06/18/18
EQ fico08=826 04/18/18
EX fico09=823 06/02/18
EQ fico bankcard08=856 05/22/18
Message 16 of 21
Established Contributor

Re: Can someone help me out with counting days? lol


@sarge12 wrote:

@CybeRise wrote:

So I want to try the Amex 3xCLI. I opened my account April 13. By my calculation. The 61st day is tomorrow (6/12). But Im scared i might be wrong and screw up the CLI button lol.

 

Also, what are my odds?

My utilization is at 5%

I have put heavy use on the card. About 3k since I opened it. I currently have a credit of $47. I overpaid it seems. 

Discover 2k

Amex 1k

Amazon Store Card 1k

Credit One $450

Capital One $350 (when do these people give increases!!$$$!)


OK...I'm up to April 23, but I'm now out of fingers so someone else will have to pick up from here!


For God's sake man, use your toes! USE YOUR TOOOOOOES!!!

In the garden growing cheeseburgers since 6/15/18  photo 179364_04Jun11_P1000776_zpspc2gmb9x.jpg
Message 17 of 21
Established Member

Re: Can someone help me out with counting days? lol

Success for me!

I got my CLI at 12:05AM PDT. I chickened out and only asked for $12k instead of $15k, which is what I tried before.

Good luck, Cyber!
Message 18 of 21
Valued Member

Re: Can someone help me out with counting days? lol

Congrats! Great work
Message 19 of 21
Member

Re: Can someone help me out with counting days? lol

Pulled the trigger this morning on day 61 w/BCE. Requested 3x to 15k, it automatically countered to 10k. Not surprised since my FICO has dropped about 20pts since I opened the account due to borrowing almost $100k for an RV and dropping two cards which dropped my AAoA. Which raises two questions. 

 

How long before trying again?

And more importantly:  How long before AmEx actually reports to the CRA's? At 61 days it's not on a single report. I've run almost $4k across the card, but it has been PIF before each statement. 

Message 20 of 21