Re: AMEX Everyday Preferred first cli success

NoMoreDebt · ‎07-16-2023

Today is the 2nd day after my 3rd statement cut. My SL on this card was $20k with a bk7 still showing from 2015 and Amex being one of my burned creditors. Tried for $35k to not trigger an income verification and they came back with $30k immediately. Says they would need additional info ( 3 most recent bank statements) to make a decision on the other $5k. Currently deciding if I want to do that or be content with the $30k limit for now. is there any reasons not to do this ? Is it 180 days now before I can request another cli?

So another DP showing you can get a CLI with a bk reporting even when they were iib.

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CardHunter · ‎07-16-2023

A awesome CLI congrats!

CreditMagic7 · ‎07-16-2023

Congratulations on your AmEx EP CLI!

Traveler101 · ‎07-16-2023

Congratulations. YMMV, I got to 40 without income verification on the same card. You got a cli quicker than me. I had to wait 6 months. Good luck on your next go round.

BigBS · ‎07-16-2023

Congrats on the CLI!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

alextercero · ‎07-16-2023

Congrats on the CLI

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

KingRue8500 · ‎07-17-2023

Congrats on your AMEX Everyday Preferred CLI

JoeRockhead · ‎07-18-2023

Very nice increase, congratulations!

Anonymalous · ‎07-18-2023

@NoMoreDebt wrote:
Currently deciding if I want to do that or be content with the $30k limit for now. is there any reasons not to do this ?

I'm always hesitant to share more of my financial information than necessary. We don't have much privacy left, so I'd like to retain the last few shreds, if possible. If they were shutting down all my cards, maybe. But not for an extra $5K on top of $30K. But it's really up to you and your comfort level/degree of resignation.

Congrats, especially with the BK!

CreditAggie · ‎07-18-2023

Congratulations on your Amex CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AMEX Everyday Preferred first cli success

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AMEX Everyday Preferred first cli success