AWESOME. NEXT TUESDAY WILL BE DAY 61 SINCE I APP'ED AND WAS APPROVED. WILL PROBABLY WAIT A FEW EXTRAS DAYS, THEN REQUEST 3X 
Should I try to get my balance due down? Does that matter?
AWESOME. NEXT TUESDAY WILL BE DAY 61 SINCE I APP'ED AND WAS APPROVED. WILL PROBABLY WAIT A FEW EXTRAS DAYS, THEN REQUEST 3X
I think that's always a best practice to wait a few extra days. I waited until Day 64. What does your current utilization sit at based on your current balance? How about your last reported balance utilization percent? Do you have another statement period ending soon, or did it just pass? Keep in mind every time your statement period ends, Amex gives you a SP (your score updates) so if you feel that next pull will be a better look from your last, it could be worth waiting. If it's going to be the same (or worse) no use waiting. Typically not much is going to change in 1 month, but your reported balance very well may. For example, if your CL is $1000 and last cycle you reported $400, that's 40% utilization. If a week from now you know you'll be reporting $50, that would be 5% and certainly a better look that could favorably impact your CLI result if you were to wait for that pull.
@Anonymous wrote:
AWESOME. NEXT TUESDAY WILL BE DAY 61 SINCE I APP'ED AND WAS APPROVED. WILL PROBABLY WAIT A FEW EXTRAS DAYS, THEN REQUEST 3XI think that's always a best practice to wait a few extra days. I waited until Day 64. What does your current utilization sit at based on your current balance? How about your last reported balance utilization percent? Do you have another statement period ending soon, or did it just pass? Keep in mind every time your statement period ends, Amex gives you a SP (your score updates) so if you feel that next pull will be a better look from your last, it could be worth waiting. If it's going to be the same (or worse) no use waiting. Typically not much is going to change in 1 month, but your reported balance very well may. For example, if your CL is $1000 and last cycle you reported $400, that's 40% utilization. If a week from now you know you'll be reporting $50, that would be 5% and certainly a better look that could favorably impact your CLI result if you were to wait for that pull.
OK..So my current utilization is $0. Woop Woop. I paid my balance off yesterday. It should show the new $0 balance in a day or two when yhe payemnt clears. I'm in a new statement that started Nov 11th. I have a CL of $12k. Before I paid in full last night, the balance was $7,500. It showed on my previous statement a balance of $4,500. I went for the $250 SUB, and got it when I hit $7,500. Anyway, My Amex just reported to Experian, and company with a $4,500 balance, but in the most recent Amex Fico SP update, my utiliaztion shows 0%, which is right now on Amex acct. I don't know how often they update that score, but they did a few days ago. Will they notice my balance is $0 when I app for CLI? Or do, they look at previous statement? Thoughts? Thank you for all your help
I want to get my first Amex CKLI request right the first time around. God forbid I get denied for it not being 61 days or something else I mess up, I'd probably have to wait 6 month to re-app? Any other info I can provide?
Mark