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AMEX 3x CLI APPROVED!!!

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LilNYC
New Contributor

AMEX 3x CLI APPROVED!!!

Just requested 3x CLI on my Amex BCP & got approved ($6,000 from $2,000). For those looking to do the same here's what my credit profile & Amex  history looks like. Account opened 70 days go, I paid my balance in full for the 2 billing cycles ( paid the last statement early so that it would post before I requested the increase). I'm not sure if this has anything to do with why Amex increased me but I charged pretty close to the $2,000 limit during the 1st billing cycle more than once but returned most of it before the cycle closed. I have high util on my other non-Amex CCs but no baddies. 3 inquiries on EX, 3 on EQ, & 2 on TU.

 

(Also got approved for 2 USAA cards yesterday so I'm pretty excited. Citi denied my request for a CLI but I was expecting that.)

 

Hope this info helps. 

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: AMEX 3x CLI APPROVED!!!

congrats!

Message 2 of 14
wallyworld123
Frequent Contributor

Re: AMEX 3x CLI APPROVED!!!

Congrats: Smiley Happy

Message 3 of 14
youngandcreditwrthy
Senior Contributor

Re: AMEX 3x CLI APPROVED!!!

Nice!! Congrats!! How high is high for util? Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 14
bettercreditguy1
Established Contributor

Re: AMEX 3x CLI APPROVED!!!

Congradulation! Take care of them and they will take care of you! I have been a member since 1984. There service is impecably Professional.

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 5 of 14
nada9188
Frequent Contributor

Re: AMEX 3x CLI APPROVED!!!

Op, can you post each statement balance you've had so far? Also is this your first Amex?
Message 6 of 14
Cadillac-XTS
Established Contributor

Re: AMEX 3x CLI APPROVED!!!

Congrats

Message 7 of 14
webhopper
Moderator Emeritus

Re: AMEX 3x CLI APPROVED!!!

Nice CLI Congrats!!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 8 of 14
Epcot
Valued Contributor

Re: AMEX 3x CLI APPROVED!!!

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 9 of 14
LilNYC
New Contributor

Re: AMEX 3x CLI APPROVED!!!

@youngandcredit- 1 cc @ 94% & another at 89% (other 2 were 10% & 25%) I think this shows that with regards to credit increases, Amex is more concerned with your history with them than other creditors. @Nada- 1st statement balance $900 2nd statement balance $525 I paid in full once my statement generated. I also have a Zync that was opened a couple of weeks before & I paid those right away. Hardly charged anything on the Zync (1 charge each cycle for under $20.) However, during the 1st billing cycle on the BCP I kept charging up to $2,000 & then returned stuff. $2,000 CL wasn't really cutting it- I had to split my Bloomingdales charges on 2 cards more than once. I only mention this bc ppl say that Amex likes ppl who spend a lot and that if you don't use the limit they started you with then you don't have a case for an increase. Not sure if I buy this line of thinking. (Wasn't trying to pull anything with the buying & returning it's just that the way Bloomingdales sakes wirk, you get a bigger percentage off if you charge more.) My income is pretty mid range. I had a green card 12 yrs ago for a few months but Amex has no record of it so essentially the Zync & BCP are my first Amexes.
Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 10 of 14
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