Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
@14Fiesta wrote:Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
that proabbly would be an good idea i don't think it would be mandatory tho. Just curious with so little income how did you get such a nice intial Cl, quite impressive.
@14Fiesta wrote:Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
Total income = $12,000? If that isn't an error, I'd really like to see the outcome. This should be interesting. Go for it!!! Good luck!
@mongstradamus wrote:
@14Fiesta wrote:Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
that proabbly would be an good idea i don't think it would be mandatory tho. Just curious with so little income how did you get such a nice intial Cl, quite impressive.
Honestly I am not even sure myself. I followed the myFICO community guidelines to a T and only let $10 (2%) balance report on my Discover for the initial 6 months waiting to generate a FICO score. On 7/1 when I logged into here, and saw that I could finally get one, I went ahead and applied for BCE and got instant approval for 8K. I was only expecting like 1-2K myself with my low income. (Freshman College student, I only work part time as a cashier while I am in school)
But that brings up another question - Did the computer possibly make an error upon approval and assign me the wrong credit line? If someone were to manually review my account, would I be CLD'd to the correct amount? Or does AMEX really trust me?
@Anonymous wrote:
@14Fiesta wrote:Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
Total income = $12,000? If that isn't an error, I'd really like to see the outcome. This should be interesting. Go for it!!! Good luck!
i really want to know how this turns out, please update us later OP 
@WuXing5 wrote:
@Anonymous wrote:
@14Fiesta wrote:Hi fellow FICO people!!
I have a question and I would like some feedback from the community on if/how I should go about requesting it.
I was approved on 7/1 for $8,000 with an EX score of 742 (haven't checked it since then)
Quick stats about my profile that may be useful:
Oldest account: 9 months
Total available credit: $8,750
Total income: $12,000
Inq on EX: 4
Current balance on AMEX card: $811
Should I go for the full 3X (expecting counter offer) or not go for it?
Should I pay down my balance to $0 first?
I want to do a mini app spree in December/January for the Chase Freedom and Citi Double Cash. I don't want to get approved for a CLI closer/above my current reported income and then get denied for those cards based on too much available credit. (Are Chase/Citi sticklers of this?)
What are your thoughts? Any input is appreciated!
Total income = $12,000? If that isn't an error, I'd really like to see the outcome. This should be interesting. Go for it!!! Good luck!
i really want to know how this turns out, please update us later OP
I will make sure to keep you guys updated! I want to hear a bit more feedback from the community, and I have decided to pay my AMEX down to $0 first, which is going to take a few days because of banks being closed for the holiday. (I need to transfer money over from a different account)
@myjourney wrote:Don't forget to plan your request with the last SP for max chances of success.
Good luck
Ah yes, if I remember correctly, they use the last SP date as a basis of decision. And thanks for the support!
Any way to find out your last SP date without pulling your credit?
