Advice for Amex 3x CLI

amit1326 · ‎01-11-2014

I have amex delta with 5500 CL since last 62 days. Last month i got an offer for Amex Green & was approved for Green Npsl. I saw spending ability & am approved for 15000 to shop.
My bal on amex delta is 15% first month 8 % second month. i use the delta card a lot & pay before statment date.
Shall I apply for Delta 61 day CLI ? I fear of being declined as I recently got Green Npsl.
Also if i apply , what new limit shall I ask
Please advice...
My credit 1 year old
With BOA 5000(sec) capital one 3300, best buy 5000, chase freedom 6000, discover 3000, amex delta 5500 & amex green NPSL

blondy250 · ‎01-11-2014

As long as your income supports it, Id go for 15k, good luck.

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16

amit1326 · ‎01-11-2014

Thanks ..

FastForward · ‎01-12-2014

I agree with blondy. In fact, if your income supports it, why not try for the full $16,500? I believe they will counter back with something else if the full 3x increase isn't approved.

AmEx PRG (NPSL) | AmEx BCP (10k) | AmEx Blue Cash (1k) | AmEx SPG (3.5k) | Barclay Arrival WMC (7.5k) | Barclay Sallie Mae (1.5k) | Cap1 QS (2k) | Chase Freedom (1k) | Discover IT (4.5k) | InTouch (Local) CU MC (5k) | InTouch (Local) CU LOC (25k)

Citi/Best Buy (AU) (1.5k) | Citi/Best Buy (7.5k) | Comenity/Crate & Barrel (4k) | Comenity/Restoration Hardware (9k) | GE/Ethan Allen (2.5k) | Synchrony Bank/Banana Republic (3.3k) | Synchrony Bank/Gap (3.3k) | Synchrony Bank/Walmart (3.3k)

myFICO scores ~ 691 (EQ) 670 (EX) 712 (TU) || Goal scores: 750+ (all 3)

CredittotheMax · ‎01-12-2014

You should definitely apply because Amex is always a softpull, so the worse case they will give you a counter offer.

$5k

$4.5k

$2.8k

$8k

$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)