No problem. Once you get back to 720 sounds like a good strategy.
ETA: Also, where's that Optima card?
@UncleB wrote:
@Anonymous wrote:@ uncleB
I read your previous post about your Amex BCP auto increase to 3k back in December, 2016 after stuck 18 months deniad due your BK. I just curious, did you get another increase 3x CLI 180 days after that? Because i'm pretty much in the same situation as you. Thank you so much
Hey @Anonymous!
Great question... it seems I'm still saddled with the 17 year old BK7.
After my BCP auto-CLI ($1k to $3k) I apped for an ED in January to keep my MR points (in case I decide to close my PRG) and I was expecting yet another $1k credit line... you could have knocked me over with a feather when I was auto-approved $8k.
I tried for a CLI on my Delta Gold shortly thereafter and it was denied... you guessed it, they referenced the old IIBK account; I ended up closing the the Delta in back in May. Since then I've tried (again...) for a CLI on my BCP and it's still denied - after the 7-10 day message I (usually) get an email seconds later that a decision has been made and to call, but I don't bother. The letter they send is always the same "... previous delinquency with an American Express account" (or something to that effect).
So, I've got $3k on my BCP that I use quite often, and $8k on an ED that I only use for Amex Offers. I didn't reallocate since I thought it would help the BCP to get a CLI if I used a higher percent of the credit line, but I've about decided to move forward and shift some of the ED over to the BCP and call it a day.
Also notable, my BCP was approved at the highest APR, but they later gave me the middle APR on the Delta Gold and Everyday. They also offered me the Personal Loan, which I took them up on, so you might say they are sending mixed-signals (LOL).
TL;DR... CLIs seem to be off the table for me, but they are fine with approving new cards/accounts.
Disclaimer: I'm not upset with Amex; I understand that BK has consequences, and I'm very happy to be 'back' at all.
UPDATE:
@ uncleB , remember I was asking you this question?
I wasnt sure that i will ever request 3x CLI with Amex due BK in the past and "..previous delinquency with an American Express account"
I let 61 days passed and today was like 70ish days, I was thinking, what the heck, request 3x CLI $1400 --> $4200 APPROVED!!!.
HOLLY molly. I'm so HAPPY, uncleB! I thought I might stuck with $1400 for so long. I will sleep well tonight.
@Anonymous wrote:
@UncleB wrote:
@Anonymous wrote:@ uncleB
I read your previous post about your Amex BCP auto increase to 3k back in December, 2016 after stuck 18 months deniad due your BK. I just curious, did you get another increase 3x CLI 180 days after that? Because i'm pretty much in the same situation as you. Thank you so much
Hey @Anonymous!
Great question... it seems I'm still saddled with the 17 year old BK7.
After my BCP auto-CLI ($1k to $3k) I apped for an ED in January to keep my MR points (in case I decide to close my PRG) and I was expecting yet another $1k credit line... you could have knocked me over with a feather when I was auto-approved $8k.
I tried for a CLI on my Delta Gold shortly thereafter and it was denied... you guessed it, they referenced the old IIBK account; I ended up closing the the Delta in back in May. Since then I've tried (again...) for a CLI on my BCP and it's still denied - after the 7-10 day message I (usually) get an email seconds later that a decision has been made and to call, but I don't bother. The letter they send is always the same "... previous delinquency with an American Express account" (or something to that effect).
So, I've got $3k on my BCP that I use quite often, and $8k on an ED that I only use for Amex Offers. I didn't reallocate since I thought it would help the BCP to get a CLI if I used a higher percent of the credit line, but I've about decided to move forward and shift some of the ED over to the BCP and call it a day.
Also notable, my BCP was approved at the highest APR, but they later gave me the middle APR on the Delta Gold and Everyday. They also offered me the Personal Loan, which I took them up on, so you might say they are sending mixed-signals (LOL).
TL;DR... CLIs seem to be off the table for me, but they are fine with approving new cards/accounts.
Disclaimer: I'm not upset with Amex; I understand that BK has consequences, and I'm very happy to be 'back' at all.
UPDATE:
@ uncleB , remember I was asking you this question?
I wasnt sure that i will ever request 3x CLI with Amex due BK in the past and "..previous delinquency with an American Express account"
I let 61 days passed and today was like 70ish days, I was thinking, what the heck, request 3x CLI $1400 --> $4200 APPROVED!!!.
HOLLY molly. I'm so HAPPY, uncleB! I thought I might stuck with $1400 for so long. I will sleep well tonight.
Huge congrats, @Anonymous!
Maybe there's hope for me yet!
(I last tried earlier in the summer so I might just give it another try soon... hopefully now that my BCP is over two years old that might make a difference.)
Thank you. Give it a try @uncleB! There is always a hope 
Good luck.
All 3 of my CB score are over 700 with only 2 out of like 15 cards reporting a balance and I was denied the measly $1k-$3k
My EX is currently 749, TU is 744 and EQ is 723.
Used the BCE like crazy and they still wouldn't raise my limit.
I think I'm just going to forget about them.
Credits not worth all of this work.
I now have 2 cards over $10k, which is more than my yearly income, so I'll be ok
My EX is currently 749, TU is 744 and EQ is 723.
Used the BCE like crazy and they still wouldn't raise my limit.
I think I'm just going to forget about them.
Credits not worth all of this work.
I now have 2 cards over $10k, which is more than my yearly income, so I'll be ok
