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amex cli- no IV

CreditJunkie304
Valued Member

amex cli- no IV

Hi all!

Just sharing my experience. I've been with amex since 2017 and have 4 personal cards total with them. Always PIF and pretty much use my BCP as an every day card, running around 2500 per month through it. Hit my six month mark and applied for a CLI, went from 27k to 37k instantly. I thought that I had read that 35k was almost always going to trigger IV but somehow I've bypassed it, luck I guess lol. Anyways, scores are around 720-730 on my bureaus and 150k available credit at 4% utilization for those who are curious. Huge thank you to everyone on this forum, has helped me for years.

Starting Score: 600
Current Score: 725
Goal Score: 750


Take the myFICO Fitness Challenge
Message 1 of 16
15 REPLIES 15
gdale6
Moderator

Re: amex cli- no IV


@CreditJunkie304 wrote:

Hi all!

Just sharing my experience. I've been with amex since 2017 and have 4 personal cards total with them. Always PIF and pretty much use my BCP as an every day card, running around 2500 per month through it. Hit my six month mark and applied for a CLI, went from 27k to 37k instantly. I thought that I had read that 35k was almost always going to trigger IV but somehow I've bypassed it, luck I guess lol. Anyways, scores are around 720-730 on my bureaus and 150k available credit at 4% utilization for those who are curious. Huge thank you to everyone on this forum, has helped me for years.


Grats on your 10k bump up! Yes there have been a few posts of people exceeding the 35K over the last 2 weeks without POI required, they may have loosened up on that for some depending on your overall profile.

Message 2 of 16
CreditAggie
Senior Contributor

Re: amex cli- no IV

Congratulations on your Amex CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 3 of 16
coreyb80
Valued Contributor

Re: amex cli- no IV

Congrats on the increase!

Message 4 of 16
MartyWrite75
Established Contributor

Re: amex cli- no IV

Congratulations on your CLI!

June 2021: Experian 710 Equifax 701 Transunion 723


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 10%
Message 5 of 16
Ficoproblems247
Valued Contributor

Re: amex cli- no IV

Congrats on your stellar AMEX limit, and thank you for sharing your DPs for IV! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 6 of 16
manbuckets
Regular Contributor

Re: amex cli- no IV

Congrats on your CLI!

Current Cards:
Future Cards:
Message 7 of 16
babygirl1256
Valued Contributor

Re: amex cli- no IV

Congrats on the AmEx CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 8 of 16
James_A
Valued Contributor

Re: amex cli- no IV


@CreditJunkie304 wrote:

... applied for a CLI, went from 27k to 37k instantly ...


Should we interpret this to mean you got approved for exactly what you initially requested (thus might have been eligible for moreSmiley Wink)? And Congrats! on the CLI Smiley Happy& thanks for the DPs.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 9 of 16
CreditJunkie304
Valued Member

Re: amex cli- no IV

You interpreted correctly, I only requested 37k but didn't want to be too greedy Smiley Tongue thank you!!


@James_A wrote:

@CreditJunkie304 wrote:

... applied for a CLI, went from 27k to 37k instantly ...


Should we interpret this to mean you got approved for exactly what you initially requested (thus might have been eligible for moreSmiley Wink)? And Congrats! on the CLI Smiley Happy& thanks for the DPs.


 

Starting Score: 600
Current Score: 725
Goal Score: 750


Take the myFICO Fitness Challenge
Message 10 of 16
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