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Approved for 3X CLI for AmEx BCE :)

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castlefox
Regular Contributor

Approved for 3X CLI for AmEx BCE :)

Last night I called the number on the back of my AmEx BCE card I got in December with a credit line of 2,500

 

It had been more than 60 days of activation, so I decided I should try to get a 3X CLI

 

 

I was rather nervous because my annual income for 2011 was 29,100 and I was asking for a 7,500 credit line.  I also usually have low utilization on all of my cards but last month I put 1000 through my BCE because if you spent 1,000 in the first 3 months you got 100 cash back as a sign up bonus.  Apparently my high utilization of 40% on the my last cut bill did not hurt my chances too much.    I had already paid the 1000 bill completely off. 

 

Anyways, I was approved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  Smiley Very Happy

 

My Credit  lines right now are:

AmEx BCE 7,500

Alliant Credit Union (visa) 2,000

Shell drive for 5 gas card 400

 

Total credit line of 9,900   !!!! WOW!    I rather blown away, exp since my open credit lines a year ago were rather low in comparison. 

 

As of one year ago my credit lines were

Alliant credit union (visa) 1,000

Shell drive for 5 gas card 400

Total credit line                   1,400

 

 

 

 

I will be applying for Fort Knox FCU's gas card so I can get 5% cash back on gas and replace it with Shell's card that will not grow with me. 

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 1 of 20
19 REPLIES 19
frogfan12
Established Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Major congrats! Your CLs have grown nicely over the last year. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 2 of 20
Skinnyminnie
Regular Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Oooo, that's nice!  Congrats  Smiley Happy

Message 3 of 20
pizzadude
Credit Mentor

Re: Approved for 3X CLI for AmEx BCE :)

 

Congrats on the 3X CLI !!  That's awesome !!

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 20
Guava
Established Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Awesome! Thanks for sharing, I'll do the same with my BCE in april!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 5 of 20
crunching_numbers
Valued Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Very nice! I am happy for you!


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 20
bichonmom
Senior Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Congrats on the CLI! That's awesome. I'm counting the days now until I can ask for one, too. Smiley LOL

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 7 of 20
lokobo
Regular Contributor

Re: Approved for 3X CLI for AmEx BCE :)

Do we need to wait 61 days from application, activation or from first purchase?


Message 8 of 20
pizzadude
Credit Mentor

Re: Approved for 3X CLI for AmEx BCE :)


@lokobo wrote:

Do we need to wait 61 days from application, activation or from first purchase?



I think you can request at 61 days from application approval date.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 9 of 20
castlefox
Regular Contributor

Re: Approved for 3X CLI for AmEx BCE :)

I have heard that 61 days from getting approved but I waited until 61 after my first purchase. 

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 10 of 20
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