Amex cli with balance

[Anonymous]

Yeah. No big deal, in 6 months I'll try 20k. 

[taxi818]

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@Anonymous wrote:

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@jroc556 wrote:

I just did my first cli this morning. 6k -> 10k. Instant approval. Could have probably gotten 18k, but decided not to push it for now.

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They counter...

I asked for the full $21,000 and was only given $12,000 -- Ironically though, when I go to check spending ability i'm approved to spend up to $21,000.

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Hmmm was your util high?  I'm just trying to get it yo 10k. 6 months. 24k will be good. If so. Travel time.

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

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@jroc556 wrote:

I just did my first cli this morning. 6k -> 10k. Instant approval. Could have probably gotten 18k, but decided not to push it for now.

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They counter...

I asked for the full $21,000 and was only given $12,000 -- Ironically though, when I go to check spending ability i'm approved to spend up to $21,000.

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Hmmm was your util high?  I'm just trying to get it yo 10k. 6 months. 24k will be good. If so. Travel time.

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Not particularly, overall, perhaps on that one card yes though.

$2,200/$7,000 at time of CLI request.

[taxi818]

Just was wondering if method to their counter offers.

[takeshi74]

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@taxi818 wrote:

So many naysayers here. 

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Always consider the source.  It's never a matter of just one factor such as balance/no balance.  Having no balance may help to some degree but people tend to rely on oversimplications.  I've also received my CLI's with balances.

[taxi818]

Thanks. Just hear so many say amex hates balances. If true. Why issue credit cards. Why not just stick to charge cards.

[taxi818]

Last question. Today. Dec 8th. I actually got approved on October 7th. So technically today is 61st day I think. But. I remember when I logged in first time. It said oct 8 th so I said tomorrow is cli date. 

[chalupaman]

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@taxi818 wrote:
Thanks. Just hear so many say amex hates balances. If true. Why issue credit cards. Why not just stick to charge cards.

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I always wondered that too. What's really the point of Amex trying to be in the CC market if they really hate balances? 

[ibmrad7]

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@chalupaman wrote:

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@taxi818 wrote:
Thanks. Just hear so many say amex hates balances. If true. Why issue credit cards. Why not just stick to charge cards.

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I always wondered that too. What's really the point of Amex trying to be in the CC market if they really hate balances? 

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Well I have been Amex card member since 2010 and always carried balance :-) (not proud) and I have always received my 3X CLIs. When I got approved for Hilton Honors, my overall util was upwards of 83% and they still approved me with 4500 CL, 60 days later I got 3X. 

If a Credit Card company doesn't like people carrying balances then they are in the WRONG business.

[Fico2Go]

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@ibmrad7 wrote:

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@chalupaman wrote:

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@taxi818 wrote:
Thanks. Just hear so many say amex hates balances. If true. Why issue credit cards. Why not just stick to charge cards.

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I always wondered that too. What's really the point of Amex trying to be in the CC market if they really hate balances? 

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Well I have been Amex card member since 2010 and always carried balance :-) (not proud) and I have always received my 3X CLIs. When I got approved for Hilton Honors, my overall util was upwards of 83% and they still approved me with 4500 CL, 60 days later I got 3X. 

If a Credit Card company doesn't like people carrying balances then they are in the WRONG business.

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I believe the Amex 3CLI is based off internal AMEX scoring.   

For me I've always held a balance with Amex.. The last time I had requested CLI  I had overspent AMEX by 500$.  Request was approved.