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Help Please! Amex 61 day CLI Question

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Anonymous
Not applicable

Re: Amex 3x CLI

Congrats!!!!  Smiley Wink

Message 41 of 55
Anonymous
Not applicable

Re: Help Please! Amex 61 day CLI Question

181 days from increase date


@tendertan wrote:
Grandercon is it 181 days from my initial increase, or is it the total time I had my card of 181 days?

 

Message 42 of 55
Anonymous
Not applicable

Re: Help Please! Amex 61 day CLI Question

i would say 181 days to be safe. but ive seen some one offs

Message 43 of 55
Anonymous
Not applicable

Re: Help Please! Amex 61 day CLI Question

That is fantastic
Message 44 of 55
skigirl916
Established Contributor

Re: Help Please! Amex 61 day CLI Question


@uswala wrote:

@Anonymous wrote:

@tendertan wrote:

I got aproved for the American Express Everyday Card Febuary 14, 2015.  Im trying to see if my 61CLI day CLI is 4-26-15? Please any advise so I don't mess this up, please Help? 


That 61 day is blown out of proportion.  People are getting the 3xCLI way before the 61 days.  If your credit profile supports the increase, you should be fine whenever you decide to flirt with the Amex luv button.


+1


Same here. I pressed it around Day 10, 3x increase.

Message 45 of 55
SouthJamaica
Mega Contributor

Re: Help Please! Amex 61 day CLI Question

I don't get it.

 

I have had a Jet Blue Amex and a Delta Skymiles Amex, for 11 months.

 

Haven't been able to beg, borrow, or steal a CLI on either of them.

 

My credit scores are much higher now than they were when I got the cards.

 

What gives?


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 46 of 55
Anonymous
Not applicable

Re: Help Please! Amex 61 day CLI Question

I too think the 60 day CLI is NOT the Grail. You will have early request approval one offs. Probably Mostly with those who have high credit scores (700++).

I wouldn't request a CLI UNLESS I: had a 700++ score (720 or so) AND was diligent enough to pay down my balances if I had any prior to statement closure date on a couple monthly notes. AMEX LOVES cardholders who zero balance on statements. REMEMBER they were originally a charge card company.
Message 47 of 55
newhis
Valued Contributor

Re: Help Please! Amex 61 day CLI Question


@Anonymous wrote:

@For those of your that did the succesful 3x CLI request @activation,  did the new CL report when your card first hit the CA's?


Yes, my card reported 6k instead of 2k.

Message 48 of 55
Existentialist
Frequent Contributor

Re: Help Please! Amex 61 day CLI Question


@SouthJamaica wrote:

I don't get it.

 

I have had a Jet Blue Amex and a Delta Skymiles Amex, for 11 months.

 

Haven't been able to beg, borrow, or steal a CLI on either of them.

 

My credit scores are much higher now than they were when I got the cards.

 

What gives?


Unfortunately this isnt a ? thats going to be answered to your satisfaction. Too many unknown variables to discern with any certainty. Besides what U really want is an educated guess and honestly I dont even feel comfortable providing that. Card companies are always using whatever internal metrics to determine risk as they deem appropriate. Who really knows they see in your particular case.

 

At the very least, as far as it having anything to do with your card selection I see that as doubtful although your interaction with said cards could be a factor. In any event as stated simply too many unknowns to be certain but I'd simply move forward with whatever other cards exist in your portfolio that may yield more positive results. I imagine u could press them on the matter if its that important to U but thats entirely up to u.  Probably not too helpful.... but it is what it is.

Message 49 of 55
Existentialist
Frequent Contributor

Re: Help Please! Amex 61 day CLI Question

Almost forgot.... grats to OP.

Message 50 of 55
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