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The Definitive Amex 3X CLI Guide

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Valued Contributor

Re: AX CLI math ? for a buddy please

Not sure when you mix biz/pers but, after you have more than one on personal side it's 181 days per PERSON not account.

500K+ TCL / 800+ FCOs
Message 4691 of 5,137
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Valued Contributor

Re: AX CLI math ? for a buddy please


@Obscure-Expert wrote:

Not sure when you mix biz/pers but, after you have more than one on personal side it's 181 days per PERSON not account.


Hi, good evening...sorry long day... I thought it was 181 from any account after a cli but somewhere someone alluded to an account opening overriding the 181 so I am lost.  he just paid everything off.  hate to pull the pin without a solid yes go ahead or not

Message 4692 of 5,137
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Regular Contributor

Re: AX CLI math ? for a buddy please


@bourgogne wrote:

@Obscure-Expert wrote:

Not sure when you mix biz/pers but, after you have more than one on personal side it's 181 days per PERSON not account.


Hi, good evening...sorry long day... I thought it was 181 from any account after a cli but somewhere someone alluded to an account opening overriding the 181 so I am lost.  he just paid everything off.  hate to pull the pin without a solid yes go ahead or not


Earliest date for CLI for them would still appear to be 09/19/19.

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Message 4693 of 5,137
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Super Contributor

Re: AX CLI math ? for a buddy please

Just call/text and ask them they will tell you
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.
RIP:




Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 4694 of 5,137
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Established Contributor

AMEX CLI question.

I opened my first Amex personal card mid May and received a 61 day CLI when I submitted it a week ago.
I also opened my first Amex Biz card two weeks later and 61 days is this Monday.
Is that eligible for a 61 day CLI as well or does it fall under the 180 day rule now that I got the CLI for the personal card last week.
The CSR I just talked to had no idea and got utterly confused....lol.
Better to ask here once again it seems.
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 4695 of 5,137
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Moderator

Re: AMEX CLI question.

You'd have to wait 180 days from the last CLI, wherever it occurred, personal or biz.

Of course, you can always test the 180 timeline and see if it works. SP regardless 👍
Message 4696 of 5,137
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Regular Contributor

Re: AMEX CLI question.

Day 61 tomorrow, fingers crossed, come on 6k!

Discover it: 8700
Amex BCP: 3600
22k student loan
Ficos 8's ~770
Inq: EX:2 EQ:1 TU:1
Message 4697 of 5,137
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Super Contributor

Re: AMEX CLI question.

Good luck
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.
RIP:




Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 4698 of 5,137
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Member

Re: The Definitive Amex 3X CLI Guide

This was so helpful!! Thank you!
|| Disc $2K || AMEX $2K || CU secured cc $1K || 1 car lease || FICO 8 TU 751 || FICO 8 EXP 760 || FICO 8 EQ No idea || File est 2017 || No baddies/missed payments || Overall util 1-5% ||
Message 4699 of 5,137
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Regular Contributor

Re: The Definitive Amex 3X CLI Guide

Got denied for 6k will get the letter in a week or so, darnit lol. So now i have to wait till 90 for my next one correct?

Discover it: 8700
Amex BCP: 3600
22k student loan
Ficos 8's ~770
Inq: EX:2 EQ:1 TU:1
Message 4700 of 5,137
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