Don’t be upset, Amex is a love/hate relationship, just keep using your card and pif eventually Amex will see you build history with them and your spending/payment trend and they will show LOVE, trust me. Just take it slow and don’t rush it.
I got an Amex with a 1k starting line on a BCE no signup offers but enrolled in credit steps. I actually got a 3x cli after 91(96?) was denied at 61. I then got 500 for credit steps as promised at 6 months. I did not get approved for a cli next time I became eligible, still waiting try again. I also had some bad history with them maybe 15 yrs ago.
*I have been reading the forum for probably a year and just now realized u don't have to be a paying subcriber to post!
I got a Gold Delta card like 3 months ago and was denied the 3X CLI at 61. My SL was $1000 and still is. Does this mean I’m in the Credit Steps program? I’ve never had Amex before.
Easiest way to figure out is look in your email that you put on your application. You would have gotten an email with a subject line find out how you can increase your credit limit. In the email it says "congratulations on your new card. Earn a higher credit limit." It isnt actually called credit steps thats what cap 1 calls it, amex has no official name but seems to offer with lower starting limits. Theres a good chance u are in it, main rule is use your card at least once each cycle and make a payment. Also u can try for CLI after your 91 day with card the denial at 61 didn't count since u were not officially eligible.
His first card 500SL has been open since 12/17 to date no increase his scores have risen over 700 and low 4% until still zero increases. My card has been open since 3/18 scores rose above 700 4% until still zero increases.
I am keeping them open and our cell phone are billed and PIF every month. I will see when we got the 1 year mark and decide whether to keep them open.
