You have reached the max for AMEX's likings. You have 150% of your income available to you in credit cards.
@blk8 wrote:You have reached the max for AMEX's likings. You have 150% of your income available to you in credit cards.
Well, more like 116%, actually. I'll garden for the next 6 months and give it another shot around October.
Good luck!
Keep in mind, more than likely you will get HP for any CLI request going forward, since the system will prompt them for a manual review.
I forgot to ask if it was a HP or SP when you were recently denied? I'm going to assume you were HP.
@blk8 wrote:Good luck!
Keep in mind, more than likely you will get HP for any CLI request going forward, since the system will prompt them for a manual review.
I forgot to ask if it was a HP or SP when you were recently denied? I'm going to assume you were HP.
It was a SP. I checked my Experian and there was no HP. Why would it be a HP?
@thelethargicage wrote:
@blk8 wrote:What are the credit limits on all of your cards?
Total CLs: $103K ($25K with Amex alone)
You should easily be able to obtain at minimum 2x income in aggregate CLs, What are your FICOs??
@gdale6 wrote:
@thelethargicage wrote:
@blk8 wrote:What are the credit limits on all of your cards?
Total CLs: $103K ($25K with Amex alone)
You should easily be able to obtain at minimum 2x income in aggregate CLs, What are your FICOs??
TU Fico: 798 (from Barclays from 4/23)
Ex Fico: 777 (BofA pull on 4/15)
My PRG (backdated to 4/2004) hasn't reported yet. AAoA is 5 years. Utilization is under 1%
@thelethargicage wrote:
@gdale6 wrote:
@thelethargicage wrote:
@blk8 wrote:What are the credit limits on all of your cards?
Total CLs: $103K ($25K with Amex alone)
You should easily be able to obtain at minimum 2x income in aggregate CLs, What are your FICOs??
TU Fico: 798 (from Barclays from 4/23)
Ex Fico: 777 (BofA pull on 4/15)
My PRG (backdated to 4/2004) hasn't reported yet. AAoA is 5 years. Utilization is under 1%
FICOs are excellent, no prob there, AMEX is a little under 25% of your aggregate CLs, I would just garden for the next 6 months and try again for the CLI, if you have increased your overall CLs substantially over the last year, I would suspect they want to see more time before granting another CLI.
@gdale6 wrote:
@thelethargicage wrote:
@gdale6 wrote:
@thelethargicage wrote:
@blk8 wrote:What are the credit limits on all of your cards?
Total CLs: $103K ($25K with Amex alone)
You should easily be able to obtain at minimum 2x income in aggregate CLs, What are your FICOs??
TU Fico: 798 (from Barclays from 4/23)
Ex Fico: 777 (BofA pull on 4/15)
My PRG (backdated to 4/2004) hasn't reported yet. AAoA is 5 years. Utilization is under 1%
FICOs are excellent, no prob there, AMEX is a little under 25% of your aggregate CLs, I would just garden for the next 6 months and try again for the CLI, if you have increased your overall CLs substantially over the last year, I would suspect they want to see more time before granting another CLI.
I don't blame 'em--I've added $80K in CLs since my last CLI in September of last year, including $15K from Amex. My last goal is to CLI my BCP to $12K and my Discover to $10K, but I'm not in a hurry to achieve that.