Hello all. New member, first post. I applied for and was approved for the AMEX Blue Cash Preferred with a $3500 CL on September 14th of this year.
On the date of my second statement closing date (November 28th) I initiated an attempt at a CL increase online. I had not discovered this thread, much less this forum, and I thought there was no chance of an increase this early into my card membership.
Having read that a request for too high a CL can trigger a hard pull with many lenders, I simply requested a total limit of $5000. I was shocked to see the instant approval.
After seeing this thread, I'm thinking I really shot myself in the foot! I'm determined to get my first five-digit CL, and it looks like this was my chance.
I recently had the only past dues I have ever had on my credit report (Credit First National Association, Aug 2012,-30 days, Dec 2012-30 days, Jan 2013-60 days) removed nearly six years early via a successful goodwill adjustment. I was ecstatic to see my Transunion FICO score go from 709 to 755 in one day! This happened after my $1500 AMEX CL increase.
I have a few questions:
1) do I really have to wait 180 days, despite the exciting development with my credit file?
2) am I likely to be approved for a 3X CL increase to $15,000 when the 180 days have passed?
3) I have a Discover It card with a CL of $2500 and a Citi Forward with a CL of $4790. If the AMEX card CL is increased to $15,000, is it possible that the Discover and Citi credit limits will be granted CL increases to $10,000 without hard enquiries?
