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Amex wouldn't do business with me for many years -- I might have stiffed them for a small amount a long time ago. I don't know. I did stiff others and for large amounts. Maybe that was reason enough for them to keep distance. Anyways ...
Shortly after joining here (and learning a few things) I got back in with Amex (July 2018). Here's a snapshot:
History:
July 2018: approved for BCE with a baby $500 SL. Multiple CLI denials followed.
January 2019: auto BCE CLI of $500. Now $1000 CL
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). Now $2000 CL
July 2019: approved for business cc -- BB Plus $2000 SL
December 2019: requested 3x on Hilton: approved for $2000 CLI (2x). Now $4000 CL.
December 2019: approved for 2nd business cc -- BB Cash $9000 SL
Then it went dry. Every CLI request denied. I've read of others who got similar treatment, grew frustrated and closed their cards. I decided I would wait it out.
Today I requested 3x on the Hilton -- instantly APPROVED. New CL is $12,000. Small potatoes for many. Small potatoes for me (compared to limits with other lenders). But a door that once felt firmly closed is now more than slightly ajar. I just might crack that baby wide open in 2021.
Data Points:
SP online CLI
FICO Scores all 750'ish or better;
Inq: 2-3 scorable on TU/EQ; 6 on EX;
Income: 100+
No longer lol/24 -- now only 7!
Possible buried lede: I parked $7500 on the BB Cash via 0% BT offer. Only recently did I pay it to 0. There might be a correlation (for a LENDER it has been said Amex really disapproves of those who owe them money.)
@Anonymous, Congratulations on your Increase!!!
Well done! Glad that the door has been cracked open for you!
That's terrific! Congratulations on your approval!! 🎉🥂
Congratulations on your Amex 3X CLI!
Congratulations on bouncing back with Amex and all your approvals and limit increases!
Sweet post, you laid it out nicely.
Congrats on much success!
Congratulations on your CLI!!