@Anonymous wrote:
Thank you for the replies:
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From CreditCuriousity:
You can get any amex you want with that EX score other then the Black card of course. Of course don't forget about the 3xCLI within 61 days. So say they approve you on whatever card for just say 5k, in 61 days it could easily by 15k..
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Can you elaborate on this a little? Assuming I am approved for 5k through your scenario, what is this 61 day rule? Do i need to request sp CLI immediately after approval?
From Creditaddict
Apply for Amex now?
I would request CLI on your Jcrew - keep hitting the CLI button online until you get 7-10 days... it may let you do it 1 time or 20 times (SP)
Same thing on C&B as Jcrew - CLI online until it says no (SP)
I would do a chat online with Macy's and ask for CLI (ask for $10k, they will instantly counter you) you could ask for the upgrade to amex also if you would like. the cli should be sp even though they tell you hp but if you ask for upgrade to amex that will be hp.
From what I understand, I can only do so many sp cli on a particular card in a year (maybe I'm being ultra cautious). I just discovered this site in March of this year, so thats when i first even realized that I should be increasing my limits as much as possible, so I increased the limits of each of my cards at that point to their current levels. That WF card had sat untouched at a $300 limit from 2001 when I was a college freshman until March 2014 when I made a hp to yank it up to 15k to match my other credit union credit card. so Im assuming I should wait until March 2015 to take on CLIs for Jcrew, C&B and Macys, especially the eventual upgrade to Macys AmEx.
As per the targeted AmEx offer, its for their new American Express Everyday. Am Ex has been "courting" me for a few months, as I see the nondisclosed inquiries once a month on my credit report, and this is one of the most attractive of several offers made to me with a Pre Selected application.
I wanted mainly to know, if I apply now for AmEx and am approved for whatever, will it be "risky" to seek that Macys upgrade in March, seeing as there have only been three hard inquiries in the whole year from my EX report, 1 from the WF hp CLI, one from my new landlord, and the 3 with the AmEx application. Will it be best to wait a whole other year?
Thanks in advance
NOPE! (sorry, but a good thing to be wrong on because now you can go apply!!!)
1. Go online and hit the CLI's button for your Comenity backed cards until it gives you a 7-10 day message!
2. you can ask Wells Fargo if your account has any SP CLI available on it (something new they started earlier this year) I would not waste a HP with them anytime soon but checking for sp cli's are all good.
3. you need to apply for the amex that you want already... like yesterday!
4. no seeking the macy's upgrade will not be risky to the real amex you get... but request CLI for $10k and take the counter BEFORE you request the Amex upgrade.
