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In 2016 I got an Amex Everday card with a 1k limit. I'm surprised they gave it to me at all, considering my (very old) history with them. I got the card within a few days of letting a payment plan on a Cap1 account go CO. If I knew then what I know now about the profoundly bad and long-lasting effect of a CO I would never have done it.
Eventually I joined myFico. I took take care of the CO in February 2021, so it's going to hurt me for a few more years, prob 60-70 points until it falls off. No other problems since 2016.
Amex did offer me an upgrade to ED Preferred a couple of years ago, but no CLI. I asked, I asked, I asked. They said No, no, no. Meantime, last April or so I got the Gold, which I charged on right away until they slowed me down at about the 13k level. I also got the Delta Reserve. Thinking that the approvals of these cards indicated a warming of Amex towards me, I asked yet again for a CLI on the EDP. Nope. I transferred $1k of limit from the Delta to the EDP, giving me 2k - enough to breathe a little. Meantime, I was busy doing the MF thing: multiples in Navy, USAA, Penfed, couple of store cards, increasing limits. I was thinking that perhaps Amex had the EDP bucketed, maybe forever, to teach me humility, A couple of months ago, when Amex introduced the refreshed BCE, I apped through RESY for the extra goodies and got a better SUB and a 15k SL. I got turned onto RESY because of the extras that accrue by apping through them, so last week, acting on the advice of a forum member, I took down the Platinum (10x dining 1st 6 mos to 25k spend, 125k pts when the Plat through the Amex site was 100k no dining SUB).
Riding somewhat high from the recent new cards, I was reluctant to spoil the party by getting shot down yet again on a CLI request for the EDP. But I was on the phone with a CSR, and when he asked if there was anything else he could help me with, I blurted out "How about a CLI on the EDP?" BOOM! 3X! That little increase meant more to me than the 15k on the BCE. I see it as a kind of redemption. They sure took their time in finally letting me off EDP probation but I have no doubt that they remember.
SHM while ROLFL
I had a good chuckle with the BOOM! 3X
Congratulations brother!
Happy to read and experienced your excited satisfaction!
Welcome back EDP! WooHoo!! Congratulations on your AMEX Approval!!👏🏼🍾🥂
@Credit4Growth wrote:SHM while ROLFL
I had a good chuckle with the BOOM! 3X
Congratulations brother!Happy to read and experienced your excited satisfaction!
Incredible graphic. Can't stop laughing.
Congratulations on your EDP 3X CLI!
@W261w261 wrote:In 2016 I got an Amex Everday card with a 1k limit. I'm surprised they gave it to me at all, considering my (very old) history with them. I got the card within a few days of letting a payment plan on a Cap1 account go CO. If I knew then what I know now about the profoundly bad and long-lasting effect of a CO I would never have done it.
Eventually I joined myFico. I took take care of the CO in February 2021, so it's going to hurt me for a few more years, prob 60-70 points until it falls off. No other problems since 2016.
Amex did offer me an upgrade to ED Preferred a couple of years ago, but no CLI. I asked, I asked, I asked. They said No, no, no. Meantime, last April or so I got the Gold, which I charged on right away until they slowed me down at about the 13k level. I also got the Delta Reserve. Thinking that the approvals of these cards indicated a warming of Amex towards me, I asked yet again for a CLI on the EDP. Nope. I transferred $1k of limit from the Delta to the EDP, giving me 2k - enough to breathe a little. Meantime, I was busy doing the MF thing: multiples in Navy, USAA, Penfed, couple of store cards, increasing limits. I was thinking that perhaps Amex had the EDP bucketed, maybe forever, to teach me humility, A couple of months ago, when Amex introduced the refreshed BCE, I apped through RESY for the extra goodies and got a better SUB and a 15k SL. I got turned onto RESY because of the extras that accrue by apping through them, so last week, acting on the advice of a forum member, I took down the Platinum (10x dining 1st 6 mos to 25k spend, 125k pts when the Plat through the Amex site was 100k no dining SUB).
Riding somewhat high from the recent new cards, I was reluctant to spoil the party by getting shot down yet again on a CLI request for the EDP. But I was on the phone with a CSR, and when he asked if there was anything else he could help me with, I blurted out "How about a CLI on the EDP?" BOOM! 3X! That little increase meant more to me than the 15k on the BCE. I see it as a kind of redemption. They sure took their time in finally letting me off EDP probation but I have no doubt that they remember.
Such a great story. Congrats in getting that EDP un-bucketed.
Congratulations on your CLI 3X!
Congrats on the nice increase!
I think the BCE is more valuable than your BCP at this point, congrats on both and atleast you can still transfer from the limit on the BCE.