Re: Amex 3x CLI before I even use the card?

Anonymous514 · ‎05-01-2015

Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!

CFNA Firestone Credit Card 3,200$ March 2020

BCU Cash Rewards Visa 15,000$ December 2020

Capital One Savor One (PC from Walmart MC) 3,000$ May 2022

Amazon Prime Store Card 10,000$ October 2022

Capital One Savor One 30,600$ November 2022

Sam's Club MasterCard 15,000$ February 2023

Huntington Bank 1.5% CB 500$ January 2024

Amex Blue Cash Everyday (PC from BCP may upgrade again) 3,000$ May 2024

Amex Blue Business Cash 2,000$ March 2025

Amex Amazon Prime Business card 3,500$ July 2025

red259 · ‎05-01-2015

@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!

You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎05-01-2015

@red259 wrote:
@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!
You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.

Not true. The 61 days does not apply any longer. You can apply for a CLI as soon as activation. if your credit file is strong enough there is no need to wait.

red259 · ‎05-01-2015

@Anonymous wrote:
@red259 wrote:
@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!
You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.
Not true. The 61 days does not apply any longer. You can apply for a CLI as soon as activation. if your credit file is strong enough there is no need to wait.

When did this rule change?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎05-01-2015

@red259 wrote:
@Anonymous wrote:
@red259 wrote:
@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!
You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.
Not true. The 61 days does not apply any longer. You can apply for a CLI as soon as activation. if your credit file is strong enough there is no need to wait.
When did this rule change?

Quite a few months ago. At least six. Been posted here many times. You must have missed it. The guide says 61 days but we are in the process of changing it.

Santi78342 · ‎05-01-2015

@red259 wrote:
@Anonymous wrote:
@red259 wrote:
@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!
You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.
Not true. The 61 days does not apply any longer. You can apply for a CLI as soon as activation. if your credit file is strong enough there is no need to wait.
When did this rule change?

Not sure of an exact date, buts it's probably been a month or two since the change.

Anonymous · ‎05-01-2015

@Santi78342 wrote:
@red259 wrote:
@Anonymous wrote:
@red259 wrote:
@bigalkescott514 wrote:
Yesterday American Express approved me for the Everyday card. When I get it should I request the 3x CLI or wait 61 days? It would be sweet to have a 10,500$ credit card at 19!!!!!!!!
You cant request it for at least 61 days. Also have realistic expectations. I don't know your income etc, but Amex isn't just handing out credit left and right. Your profile has to be able to support it.
Not true. The 61 days does not apply any longer. You can apply for a CLI as soon as activation. if your credit file is strong enough there is no need to wait.
When did this rule change?
Not sure of an exact date, buts it's probably been a month or two since the change.

Quite a few months longer than that when people started reporting that it was possible. I did mine in mid January

Anonymous · ‎05-01-2015

I was approved for a $10k Amex BCP in mid March. When I got it and activated it, I requested a $25K CL and was instantly approved. Go for it. You got nothing to lose.

Anonymous · ‎05-10-2015

So, weirdly enough, i was only accepted with a 3.5k limit for BCE when i put annual income of 100k and score of relatively 700ish. :[ should I also try and hit the luv button right away and go for 10.5k since 3x CLI?

mitchblue · ‎05-11-2015

@Anonymous wrote:
So, weirdly enough, i was only accepted with a 3.5k limit for BCE when i put annual income of 100k and score of relatively 700ish. :[ should I also try and hit the luv button right away and go for 10.5k since 3x CLI?

SP, can't hurt.

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Amex 3x CLI before I even use the card?

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Amex 3x CLI before I even use the card?