cancel
Showing results for 
Search instead for 
Did you mean: 

AmEx BCE CLI - 61 Day Success

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
New Contributor

AmEx BCE CLI - 61 Day Success

Today was the 61st day since opening my BCE.  My limit was $10k,  asked for $22k. They gave me $19,200! I didn't ask for 3X because that would've been over my current $28k salary and I think I did the right thing since they didn't give me everything I asked for. Totally happy with this increase. My utilization goes down even more now! My scores are in the 720s. Total credit available to me is now $22,301! I love American Express!

 

cli.png

Credit Journey Start Date: 12/22/16
9 REPLIES 9
Valued Contributor

Re: AmEX BCE CLI - 61 Day Success


@VicVegawrote:

Today was the 61st day since opening my BCE.  My limit was $10k,  asked for $22k. They gave me $19,200! I didn't ask for 3X because that would've been over my current $28k salary and I think I did the right thing since they didn't give me everything I asked for. Totally happy with this increase. My utilization goes down even more now! My scores are in the 720s. Total credit available to me is now $22,301! I love American Express!

 

cli.png

 

 


Nice! Thanks for sharing! Your income is close to mine, so hoping I’ll get the 23K when I Ask in August for my bday. Lololol😛

 

was 10K SL....

 

wait. Obviously. 🙄

Message 2 of 10
Valued Contributor

Re: AmEX BCE CLI - 61 Day Success

Nice job!! Congrats on your increase!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 3 of 10
Community Leader
Super Contributor

Re: AmEX BCE CLI - 61 Day Success

Congratulations on your CLI especially with it being so close to your income. Not many lenders will do that.

Message 4 of 10
Community Leader
Mega Contributor

Re: AmEX BCE CLI - 61 Day Success

ImpressiveSmiley Happy. Id get lol out of the room if i asked Amex even to give me half my income. Hint hint, it aint muchSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 10
Regular Contributor

Re: AmEX BCE CLI - 61 Day Success

That's a great increase, and they are very generous with total exposure. I think I'm around 77% total exposure compared to income right now with Amex, and I think that's about as far as they are going to let it go... but we shall see.


Fico 8: EX - 713 (11 INQs) TU - 717 (14 INQs) EQ - 700 (11 INQs)
Message 6 of 10
Super Contributor

Re: AmEX BCE CLI - 61 Day Success


@AverageJoesCreditwrote:
ImpressiveSmiley Happy. Id get lol out of the room if i asked Amex even to give me half my income. Hint hint, it aint muchSmiley Wink

 

Congrats on a great CLI

 

@joe  Syncrony has already given me more then 120% of my yearly income. I keep closing my storecards and they keep auto-increasing my other cards lol




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 7 of 10
New Contributor

Re: AmEx BCE CLI - 61 Day Success

Thanks guys.

Just got an alert from CK telling me my APR has increased on this card from 18.24% to 18.49%. Does that have anything to do with the CLI?

I was going to ask if it was easy to get an APR decrease.
Credit Journey Start Date: 12/22/16
Message 8 of 10
Regular Contributor

Re: AmEx BCE CLI - 61 Day Success


@VicVegawrote:
Thanks guys.

Just got an alert from CK telling me my APR has increased on this card from 18.24% to 18.49%. Does that have anything to do with the CLI?

I was going to ask if it was easy to get an APR decrease.

The Fed raised interest rates recently. That’s what the increase was from. Just ask for an APR reduction on the chat - they’re fairly easy to get in my experience.



NFCU CLOC $10,000
Ford Credit Auto Loan $25.5k @ 1.9%/ 72 month
Gardening since 8/1/18

Message 9 of 10
New Contributor

Re: AmEx BCE CLI - 61 Day Success


@CuriousGradStudentwrote:

@VicVegawrote:
Thanks guys.

Just got an alert from CK telling me my APR has increased on this card from 18.24% to 18.49%. Does that have anything to do with the CLI?

I was going to ask if it was easy to get an APR decrease.

The Fed raised interest rates recently. That’s what the increase was from. Just ask for an APR reduction on the chat - they’re fairly easy to get in my experience.


 Thanks. Will my other cards go up as well?

 

Was going to ask in chat but thought what was the point if im still in the introductory 0% APR phase.

Credit Journey Start Date: 12/22/16
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.