Re: AMEX Gold POT Increase

dre90 · ‎06-02-2022

Hey, my fellow MyFicoers!

I'll make this quick, short, and simple with a few key DPs. I have had the AMEX Gold card for about nine months now, and I didn't think it changes but I received an email a few days ago about an increase in my Pay Over Time limit. My original POT limit was $1,500 and has been increased to $6,500. Their email comes of course right after I balance-transferred my AMEX balance of about $1,800 to my PenFed card for a 0% APR promotion. Currently at about 8% util and only carrying a balance on one card (PenFed). 2 Lates still showing on Experian from June and August of 2018; weirdly enough they do not appear on the other bureaus. Anyhow.....

Current Scores are below:

Penfed Power Cash Rewards Visa Signature® Card | Credit Limit: $22,000

Costco Anywhere Visa® Card | Credit Limit: $9,300

Wells Fargo Autograph | Credit Limit: $14,000

Chase Amazon Prime Visa Signature Card | Credit Limit: $12,000

Capital One Venture Rewards Card | Credit Limit: $15,000

Apple Card by Goldman Sachs | Credit Limit: $7,500

JetBlue Plus Card | Credit Limit: $6,000

Macys Store Card | Credit Limit: $25,000

NRB525 · ‎06-02-2022

Congrats on getting the PoT increase!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

gdale6 · ‎06-02-2022

Thats a good move up, grats on getting it!

NalekSok · ‎06-02-2022

Congratulations on your PoT increase! 🎉

cashorcharge · ‎06-02-2022

WooHoo!! Congratulations on your POT Increase Approval!!👏🏼🍾🥂

CreditAggie · ‎06-02-2022

Congratulations on your Amex Gold POT increase!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

bigseegar · ‎06-02-2022

Congrats!

CreditMagic7 · ‎06-02-2022

Congratulations on the Amex Gold POT increase!

KingRue8500 · ‎06-02-2022

Congrats on your AMEX Gold POT Increase

babygirl1256 · ‎06-02-2022

Congrats on your Amex Gold POT increase!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

AMEX Gold POT Increase

Get your FICO® Score for free

AMEX Gold POT Increase