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My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

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IodineNightSky
Contributor
‎11-07-2018 04:40 PM
‎11-07-2018 04:40 PM

My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Ran about 5-6k through my 1k limit card over the past two months always PIF as soon as I could. Hoping for the 3xs tomorrow on my gold delta card.

Also, I’m interested in trying to get a second Amex card. Should I apply for it tomorrow? Will it be on the same pull or will I get hit twice?

If I app for a new Amex card tomorrow any thoughts on what I should app for? My ficos are only mid 650s. Lots of old resolved baddies but only good history for past 2.5 years or so. High income. I guess I want a card that I have an actual chance for with my lowish scores. I prefer the highest possible limit to any particular rewards...

Thoughts?
Current FICO 8s:
EQ: 650 - TU: 661 - EX: 642
Starting Score: 617
Current Middle Score: 650
Goal Score: 800

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11 REPLIES 11
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Overmedicated
Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
‎11-07-2018 04:44 PM
‎11-07-2018 04:44 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Your CLI attempt will be a SP.  An additional card will likely be a soft pull also.  Wishing you luck!

 FICO 8
Message 2 of 12
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kmorr2586
Regular Contributor
‎11-07-2018 05:07 PM
‎11-07-2018 05:07 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Login to your account and see if you’re pre qualified for anything. I was approved for the Gold card yesterday with a 660.
Discover IT $3,000 | BoA Accelerated AMEX $3,500 | Barclaycard Rewards $3,000 | MFCU Visa $3,000 | Capital One Quicksilver One $3,300 | Merrick Bank $1,350 | Nordstrom Retail $1,000 | Lowes $12,000 | JCrew $4,500
Message 3 of 12
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IodineNightSky
Contributor
‎11-07-2018 05:15 PM
‎11-07-2018 05:15 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

When you say gold card are you talking about the charge card rather than a credit card?
Current FICO 8s:
EQ: 650 - TU: 661 - EX: 642
Starting Score: 617
Current Middle Score: 650
Goal Score: 800

Message 4 of 12
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TonyMac
Regular Contributor
‎11-07-2018 06:11 PM
‎11-07-2018 06:11 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Good luck on the CLI. From what I’ve heard the $1000 limit on the co-branded cards is much harder to get a CLI on 61 days. It’s usually the 6-12 month period for those limits. ( I tried at 61 on mine and that’s what I was told by Amex)
July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
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Brian_Earl_Spilner
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎11-07-2018 06:14 PM
‎11-07-2018 06:14 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Looking forward to your results







Message 6 of 12
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IodineNightSky
Contributor
‎11-07-2018 06:21 PM
‎11-07-2018 06:21 PM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Yea I’ve read that the 1k SL cards aren’t necessarily on the same 61 day 3xs track but I’m optimistic by nature. If they like a lot of spend on the card that’ll be a plus for me. Plus I even did a couple of purchases on their sponsored deals. But, again, my scores are low so I wouldn’t at all be surprised if I get the nope.

I’ll update tomorrow as soon as I know.

Current FICO 8s:
EQ: 650 - TU: 661 - EX: 642
Starting Score: 617
Current Middle Score: 650
Goal Score: 800

Message 7 of 12
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FightingForRedemption
Regular Contributor
‎11-08-2018 07:13 AM
‎11-08-2018 07:13 AM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

crossing my fingers for you.....good luck!





ONE stubborn 30 day late: 6 yrs 1 mo ago
Gardening until May 2021 (or later....we shall see) ***Chase 3/24***

Lost my oldest account on Exp which is the reason for the drastic score difference - pretty bummed about that
Message 8 of 12
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Melycious
Established Member
‎11-08-2018 07:20 AM
‎11-08-2018 07:20 AM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

Current Amex customers only go through a soft pull for CLI and new cards.

Also, keep in mind, Amex only allows 1 CLI across all accounts every 6 months.






In the garden from 11/7/2018 until ?
Message 9 of 12
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IodineNightSky
Contributor
‎11-08-2018 07:32 AM
‎11-08-2018 07:32 AM

Re: My Amex 61 days is tomorrow...cli attempt and should I app for new Amex card?

7-10 day msg booooo!
Guess I won’t apply for a second card w them just yet lol.
Current FICO 8s:
EQ: 650 - TU: 661 - EX: 642
Starting Score: 617
Current Middle Score: 650
Goal Score: 800

Message 10 of 12
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