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AMEX ED Approved 60 day CLI

Noneed2nv
New Contributor

AMEX ED Approved 60 day CLI

My DW opened her first AMEX Oct 5 with a SL of $10k.  We were shocked as her highest limit to that point was a Cap1 QS of $2200.  Her EX score from the app was 672, which is high from the upper 500s from about 2 years prior.  She had no interest, but I was curious if she would get 60 day luv; so I asked her to log in.  I was about to click the luv button for 3x CLI at $30k and she freaked out.  "That's WAY TOO MUCH!"  I reduced it to $25k and she was nervous.  I said, "you probably won't be approved anyway, I'll reduce it to $15k if declined."  She said ok, I clicked the button and BOOM!!  Instant approval for $25k!  She jumped out of bed, walked over to her purse and came back with the card.   "Here.  I can't carry that card anymore.  That's way too much.  Don't tell me about any more credit increases."   

Her data points.

She has 3 inquires in the last 18 months, the AMEX, Discover ($10.5k), and Commenity (NY&C $750).  Haven't checked her ficos, but AMEX was 672 and Discover shows her TU at 715.  In addition to the 4 cards, she has student loans, a 3 yr old auto, and we have a 10 yr old mortgage.  Look for an update in 3 more months, lol.


10/18
EQ 618
TU 636
EX 625
6/19
EQ 628
TU 644
EX 654
Message 1 of 4
3 REPLIES 3
Nayola
Contributor

Re: AMEX ED Approved 60 day CLI

I love it!  Her reaction is too cute. Great story.

Message 2 of 4
19eighty5
Senior Contributor

Re: AMEX ED Approved 60 day CLI

Congratulations DW!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 3 of 4
Jayveeru
Member

Re: AMEX ED Approved 60 day CLI

Congrats! Smiley Happy

Message 4 of 4
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