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AMEX hates me for past transgressions, but not enough to not do SOME business with me. They are wary of me, which is totally their right.
History:
I defaulted on an Amex card a million years ago. A relatively small amount (< $1000), I think. I did not ever re-pay them.
July 2018: approved for BCE with $500 SL.
January 2019: auto BCE CLI of $500.
January 2019: requested 3X on BCE, denied, got 0.
January 2019: applied for Amex Hilton: approved for $1000 SL.
June 2019: requested 3x on Hilton: approved for $1000 CLI (2x).
December 2019: requested 3x on Hilton: approved for $2000 CLI (2x).
So Amex is slowly re-warming to me. Hopefully in 6 months I'll get this card to 8K, then 16K next December. Maybe pick up another card with a workable CL at some point. I consider them a lender worth being patient with.
Data Points:
SP CLI
750+ Fico scores
Limited spend of $50-100 per month; PiF.
Congrats on your CLI! Slow and steady is better than none!
Congratulations on your increases!
Congrats!
Congratulations @James_A !!
No doubt you will be racking up the approvals and CLI's with them
soon :-)
Enjoy
@Anonymous wrote:AMEX hates me for past transgressions, but not enough to not do SOME business with me. They are wary of me, which is totally their right.
History:
I defaulted on an Amex card a million years ago. A relatively small amount (< $1000), I think. I did not ever re-pay them.
July 2018: approved for BCE with $500 SL.
January 2019: auto BCE CLI of $500.
January 2019: requested 3X on BCE, denied, got 0.
January 2019: applied for Amex Hilton: approved for $1000 SL.
June 2019: requested 3x on Hilton: approved for $1000 CLI (2x).
December 2019: requested 3x on Hilton: approved for $2000 CLI (2x).
So Amex is slowly re-warming to me. Hopefully in 6 months I'll get this card to 8K, then 16K next December. Maybe pick up another card with a workable CL at some point. I consider them a lender worth being patient with.
Data Points:
SP CLI
750+ Fico scores
Limited spend of $50-100 per month; PiF.
Congrats! Thats not a bad journey & I hope they show me some love as well. I did burn them in 1990 while in college but i did settle it.
@Anonymous wrote:AMEX hates me for past transgressions, but not enough to not do SOME business with me. They are wary of me, which is totally their right.
History:
I defaulted on an Amex card a million years ago. A relatively small amount (< $1000), I think. I did not ever re-pay them.
July 2018: approved for BCE with $500 SL.
January 2019: auto BCE CLI of $500.
January 2019: requested 3X on BCE, denied, got 0.
January 2019: applied for Amex Hilton: approved for $1000 SL.
June 2019: requested 3x on Hilton: approved for $1000 CLI (2x).
December 2019: requested 3x on Hilton: approved for $2000 CLI (2x).
So Amex is slowly re-warming to me. Hopefully in 6 months I'll get this card to 8K, then 16K next December. Maybe pick up another card with a workable CL at some point. I consider them a lender worth being patient with.
Data Points:
SP CLI
750+ Fico scores
Limited spend of $50-100 per month; PiF.
Congratulations on getting back in.
I filed BK in 1976 and included AmX for what I'm sure was <$1K. But back then, it seemed like a huge financial loss. In March 2018, I applied and got the AmX ED, SL $15K. Requested a CLI in July 2018 and got an additional $10K. Then I reallocated $13.5K to my AmX Magnate.
I am providing this information because yes, AmX will give big CLIs; however, I believe the spend has to be there. I put thousands of dollars on my AmX ED during the first year. IMHO, spending only $50-100/month is not going to get you large CLIs because AmX will feel that the CLs you have fits your spend.
Just food for thought.