No CLI, No New Cards No Problem

[CivalV]

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@Brian_Earl_Spilner wrote:

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@CivalV wrote:

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@collics wrote:

I bet if you cold app'd for the upgraded cards you'd get approved with much higher limits. 

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If I cold app for the upgraded cards would I miss out on the bonuses bc I have the upgraded versions of them now?

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Yes because you've already had the product. You would have to downgrade and upgrade again for any bonus in the future.

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Ugh that sounds like a lot lol 🥲

[tparks5961]

Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex,   Hhonors $1,800.  Everyday $1,00.00.   It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.  

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.  

[collics]

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@tparks5961 wrote:

Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex,   Hhonors $1,800.  Everyday $1,00.00.   It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.  

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.  

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Wild.

[jcooks]

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@tparks5961 wrote:

Hey, it's a lesson learned.

I Ifor example had two low limit cards with Amex,   Hhonors $1,800.  Everyday $1,00.00.   It would have just taken two long to get these cards to any useable limits.. so I closed them.

My next card with Amex had a $20,000.00 limit.  

I've learned that before I make any credit moves, to just run my scenario past the forums to get insight and user experiences.  

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https://ficoforums.myfico.com/t5/Credit-Cards/Amex-shut-downs/td-p/5944140

Isn't that $20k limit on an Amex Platinum that ultimately got shut down the same month that it was opened?  And then you applied for a BBP after and was only approved for $2k @tparks5961?  If so, the Platinum is a NPSL, unless given an actual hard limit due to AA.

[tparks5961]

Nah, it's the blue business cash card. It's still open. 

My platinum card still has a hard limit of $45,000.00.  In the past , it had a limit of $2,000.00 and I've successfully raised it to 45 over the past year.

[jcooks]

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@tparks5961 wrote:

Nah, it's the blue business cash card. It's still open. 

My platinum card still has a hard limit of $45,000.00.  In the past , it had a limit of $2,000.00 and I've successfully raised it to 45 over the past year.

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Hard limit of $45k?  I thought Amex charge cards only get hard limits from adverse actions.