Congrats, just gors to show each profile is different. Youve laid down the ground work do probably Amex is comfortable with your spend. Nice job
@AverageJoesCredit wrote:
Congrats, just gors to show each profile is different. Youve laid down the ground work do probably Amex is comfortable with your spend. Nice job
Thanks for the kudos. I owe it all to forums like these. Watching videos, doing research and making this a mini-hobby has paid off. Hopefully posts like these can slowly return the favor and give other people data points to refer to.
-PointsYoda
@Anonymous wrote:
@K-in-Boston wrote:I'm jealous! I only got a 1.28x last month with 10x the spend. Next time...
Congrats and enjoy the added spending power!
It's a curse and blessing at the same time. I'm making sure not to go overboard, but it does feel good to know the spending power is there if/when needed. Not to mention the positive on utilization!
I'm jealous of your signature...the images are perfect and the description when you hover over the image is a nice touch.
-PointsYoda
Not to mention the warm fuzzy feeling when Amex likes you! Thanks for the compliment. There's a whole thread for the signatures, but basically you just need to get the images to be the same size (or at least the same ratio and resize them with the code) and for each card pop in the following:
<img height="pixels high" width="pixels wide" src="link to card image" border="0" title="whatever you want it to say when the mouse hovers over it">
Example:
<img height="27" width="41" src="http://imgur.com/Vtm34Cu.png" border="0" title="American Express Starwood Preferred Guest | $20,500 | March 2017">
Was this your first AmEx?
@Anonymous wrote:The Application:
Simple process - completed online on the AMEX site. (details below)
The Pull:
No pull. It never showed on any of the 3 bureaus. This confirms everyone's suspicion that AMEX conducts SPs for CLIs. No harm, no foul!
The Score:
FICO Score 8
EQ, TU, EX: 710-745
Utilization is under 35%
Total accounts is 15+
Hard Inquires is 5-9 across all bureaus
The Approval:
This CLI was for my Starwood Preferred Guest card. In my previous post I described how I applied and was approved for that card in addition to my AMEX EDP card on the same day. For my SPG I was given an SL of 8k. The statement for that card closed 19 days after approval. After the first statement closed, I noticed the link to "Request for a Credit Line Increase" appear on my account summary page. A simple click took me to their straight foward application. It basically confirmed my identity and annual income information. (note: on every financial profile update I have done over the phone whenever I spoke to a representative for various reasons, I made sure to keep my income consistent. Not that my income has changed, but I made sure to keep it consistent. I kept that same consistency through my initial application for the SPG as well as this 3X CLI request.)
I then filled out my request for increase. Since my SL for the SPG wsa 8K, I entered a request to increase to 24K (3X my SL). I was instantly approved and it showed up on my account summary page in 15 mins!
Timeline: From approval to 3X CLI approval - a total of 27 days!
Hope this helps! Off to the next sign up bonus!
- PointsYoda
Congrats on the CLI! This is definitely one for the books!
