Is it too soon to call tomorrow and ask for the reconsideration? Or do i have to wait the 90 days?
If it were me, I would call, if for nothing else but to update my income. You have nothing to lose since you’ve already been denied. And what if they make an exception?
Amex does a SP about once a month. They base their decisions on the most recent SP. They don't pull again when you request.
Do you know if they have a consistent pull date each month? I want to do it after they do the next one....the June letter said it was based on my May 18 score.....so is it likely they pulled on June 18 and again on July 18?
By July 18, my credit reports will be showing an additional $12,500 in available credit that I achieved through CLIs on 3 different cards.
The pull date is generally the same, +/- a day or two, the same is the case with your statement closing date.
Today was the 180 mark for my last CLI on my Amex. My limit was currently at 48K. I shoot for a new limit of 60K knowing that I'd probably get hit with IV, which I did. I backed down in 1K increments until I was approved at 53K with no IV. The 5K every 180 days after a certain credit limit seems to be true.
Question for everyone. A bout 14 months ago I requested a 3X CLI on my Preferred Everyday Card and was successful in getting my CL raised to 48K. I was wondering what are the protocols after for another CLI. What should ask for next, etc. I usually spend a $1k-$2k a month and pay it off each month. My credit score is 825-840 depending on the agency. Just looking to further build my credit profile. Thanks
See the post right above yours where a member with an identical limit of $48k was able to move to $53k without IV, but any amount over that $5k increase would have resulted in IV happening. I've been doing the $5k/6mo thing for a few years now and posts like the one above yours sort of confirm that it is indeed a "thing" with higher limit Amex cards.
I never heard about this. this is for a buddy of mine that is rebuilding. he wants to up the BCP because keeping the utilization in line is killing him. Can he attempt a cli on the BCP after 07/18/19 is the question? just looked, he has put ~$25K through the BBP already, crazy. Thank you!
01/18/19 approved for a BBP @ $2K
02/24/19 approved for a BCP @ $1K
03/22/19 cli on BBP $2K -> $6k