Amex cli success!

[jpnelly]

Today I requested a cli from $4000 to $10000 and was instantly approved. I requested the cli over the phone through the automated system. I am pretty happy because this is my first cc with a 5 digit limit.

[tntexans72]

Congrats...was this your 1st increase? How long have you had the card?

[jpnelly]

Yep, first increase and I activated the card 61 days ago.

[Iincognito]

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@jpnelly wrote:
Yep, first increase and I activated the card 61 days ago.

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What was your spending pattern like? Did you PIF or carry a balance each month? I am coming up on 61 days soon with my Clear Card and was thinking about asking for a CLI... Thanks!

[tntexans72]

I was carrying a balance on my SPG ($500) and was able to get an increase at 61 days. My 6 months is approaching and I am going to ask for another CLI ------- $15K. That's less than the 3x but I don't wanna push it. This time however, I am going to be at ZERO before requesting the $15K magic #. My discover is $14,500 so hopefully it will be a YES from Amex.

[Red1Blue]

Congrats on the CLI. Just be cautious with the payments on the account and inq's and new accounts. Amex can trigger FR and can cause you headaches. I would rather stay under the radar for some time and build relationship and grow slow and steady with Amex.

[tntexans72]

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@Red1Blue wrote:

Congrats on the CLI. Just be cautious with the payments on the account and inq's and new accounts. Amex can trigger FR and can cause you headaches. I would rather stay under the radar for some time and build relationship and grow slow and steady with Amex.

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Your absolutely correct in this regard and YMMV imho. When I apped for the Amex card, I had only 1 hard iq on my EX and that was dropped off 2 months ago. I think it's important to note and you have mentioned to not go on a app itching spree. I have a total of 4 CCs in my wallet (Discover, 2 Chase, 1 Amex) and planning on gardening for a while. These 4 cards are more than sufficient for all my needs.

[jpnelly]

I ran about $3000 through the card within the first 60 days. I made payments once a week and never carried a balance. Hope this helps.

[CS800]

What does your credit profile look like?

[jpnelly]

I have 2 baddies from 5+ years ago. FICO scores are: EQ-766, TU-750 and EX-737. Total util is less than 8% on all cc.