Amex 3xCLI dilemma

[Rock77]

I was approved for 2 Amex cards  everyday 8k limit  and cash magnet 2k limit experian fico 685 income 90k. I would like to do a 0% balance transfer of 5k to the everyday card but it has to be submitted by tomorrow. I am worried that if I do this amex won't approve me for 3x cli on my everyday card  day 61 since approved will be on the 21.  I have used the card  heavily  4 payments PIF total of $8600  the card has a 0 balance right now. I would like some input on what I should do ? My current  utilization 8% across the credit bureaus scores would be higher but I have 3 charge of accounts 2 credit cards 1 auto loan. The 2 credit cards are paid off and the auto loan I have a settlement that I'm paying.

[HeavenOhio]

I think your positive payment history will back you up, provided that you don't wimp out and pay only the minimums toward the balance transfer. If you're nervous, you can hold off on the CLI for a month. That would give you the opportunity to make a "substantial" payment toward the transfer.

Or you could simply make the request at 61 days and figure that if you're declined, it's no big deal to wait another 91 days to request again.

[NRB525]

If the BT saves you money, go for that.

Personally I would continue to build history with AMEX. The longer you do that, the better your 3X CLI experience will be.

Just to be clear, the 3X timeclock does not expire or change at 61 days. The 61 days is just a rule of thumb to allow AMEX SP to catch up to the scores when you apped, nothing else.

Save the cash on interest, wait on the 3X request. But even with a balance, the 3X does not go on hiatus. Plenty of folks have CLI with balances on the card. YMMV

[Rock77]

Both of you have brought up  valid points I think I'm going to hold off on the increase for the moment and build some more history with amex.