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AMEX Hiton CLI & APR DECREASE ROSE GOLD!

ironchef
Regular Contributor

AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Amex showimg me some appreciation with a 11% rate fot my POT account /Rose gold card ,also a 3x Increase on my Amex Hiton ! 

 

Message 1 of 12
11 REPLIES 11
ImTheDevil
Super Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Nice! Gotta love when they love you Smiley Happy
Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)


Message 2 of 12
CreditInspired
Community Leader
Super Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!


@ironchef wrote:

Amex showimg me some appreciation with a 11% rate fot my POT account /Rose gold card ,also a 3x Increase on my Amex Hiton ! 

 


Oh “Happy Day”. A big congratulations to you. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 3 of 12
Lucienbel
Regular Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

11% for Pay Over Time is spectacular in this current lending environment, congratulations. I know most of us don't use such a feature, but it's always nice to have around... Life can be quite unpredictable.

Congrats on the 3x increase as well. One of the best part about Amex's CCs.
Scores: (9/2/20) EQ: 765, EX: 774, TU: 755
Message 4 of 12
ironchef
Regular Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Agreed & thank you !

Message 5 of 12
LandifiedAZ
Member

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Congrats!

 

I've had the same CL on my Skymiles Reserve since 2014 and despite me charging 12k+ per month on my charge cards with them they refuse to give me CLI on my one credit card with them. Crazy.

CURRENT FICO SCORES (as of August 15, 2020):
767 EXP - 710 EQ - 766 TU

CURRENT CARDS IN WALLET:
- American Express Platinum Card ($ n/a) (for airport lounges and 5x on Hotel/Flights)
- American Express Gold Card ($ n/a) (for 4x dining and supermarket purchases)
- American Express Delta Skymiles Reserve ($6k) (Delta flights)
- AOD FCU Visa Signature ($20k) (3% Cashback on Everything)
- Barclays AAdvantage Silver Aviator World Elite MasterCard ($8.5k)
- Barclays Uber Visa Signature ($25k)
- BMO Harris Premier Premium Rewards World Elite MasterCard ($30k) (becoming my everyday go to card) -> CLI at 181 days from $20k to $30k)
- Citi Prestige World Elite MasterCard ($42.4k) (for everyday purchases)
- Discover IT Gold Card ($5k)
- First Tech Odyssey Rewards World Elite Mastercard ($30k) Received CLI on 8/6/2020 now ($42.5K)
- Mountain American Credit Union Rewards Visa ($10k)
-SECU (Maryland) Cash Back Visa ($15k)
- TIAA Bank Rewards Visa ($22.5k) - Canceled 8/2/2020
- PedFed Visa Gold ($30k) (for fee free cash advances while traveling)
- USAA Limitless Visa Signature ($27k) (for everyday purchases)
- USAA Cashback Plus American Express ($20k) (for 3x fuel purchases)

CARDS IN THE DRAWER:
- Capital One MasterCard ($3.7k)(Opened in 2008)
- Wells Fargo Visa Signature ($16.5k) (Opened in 2009)
Message 6 of 12
SACT51
Frequent Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Awesome!

Message 7 of 12
kudosalert
Frequent Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!


@Lucienbel wrote:
11% for Pay Over Time is spectacular in this current lending environment, congratulations. I know most of us don't use such a feature, but it's always nice to have around... Life can be quite unpredictable.

Congrats on the 3x increase as well. One of the best part about Amex's CCs.

Hi, I havent seen this Pay Over Time on my only Amex Ascend but does it work similarly to their Payment Plan feature? I've been using my Amex for car rides so the only big item was a  $200 flight for which a button popped up offering me a Payment Plan. Pay it over 18 months (or longer) with no interest but with a monthly fee. I worked out the fixed monthly fee to be about 12% over the life of the 18 month plan which isnt bad compared to a 20+ APR.

 

Like you mentioned. Never know when you might need it. There's also no early repayment fees or penalty so if you get behind a few months you can repay your plan's balance once the cash flow is better. Any more DP on this would be very helpful. Thanks.

 

 



In my wallet:


In my desk:
Message 8 of 12
CreditInspired
Community Leader
Super Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!


@kudosalert wrote:

@Lucienbel wrote:
11% for Pay Over Time is spectacular in this current lending environment, congratulations. I know most of us don't use such a feature, but it's always nice to have around... Life can be quite unpredictable.

Congrats on the 3x increase as well. One of the best part about Amex's CCs.

Hi, I havent seen this Pay Over Time on my only Amex Ascend but does it work similarly to their Payment Plan feature? I've been using my Amex for car rides so the only big item was a  $200 flight for which a button popped up offering me a Payment Plan. Pay it over 18 months (or longer) with no interest but with a monthly fee. I worked out the fixed monthly fee to be about 12% over the life of the 18 month plan which isnt bad compared to a 20+ APR.

 

Like you mentioned. Never know when you might need it. There's also no early repayment fees or penalty so if you get behind a few months you can repay your plan's balance once the cash flow is better. Any more DP on this would be very helpful. Thanks.

 

 


I’m not understanding “if you get behind a few months you can repay your plan’s balance.” You still have to make your monthly payments. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 9 of 12
M_Smart007
Legendary Contributor

Re: AMEX Hiton CLI & APR DECREASE ROSE GOLD!

Congrats on BothSmiley Happy

Message 10 of 12
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