I got what is probably my last CLI from Amex today. Increased from $16K to $24K. The increase was via phone and although I got a little scare when I had to be transferred to the representative, the increase seemed to have been instantly approved.
But, the Amex system only takes increases up to $25K. While I am sure that increases beyond that are possible, I presume they have to be done via the representative and probably entail additional headache.
And so, my CLI journey over the past 2 years has finally come to an end. I started with Amex approving me for $3K card with a shaky 640 EX FICO credit score. Then a CLI every six months--up to $5K @ 660; $10K @711; $16K @770 and finally $24K @806.
They gave me the shot that I was hoping for, the credit rebuilder's dream--"just give me a shot and I won't let you down."
Well played Amex! Well played
I was denied an amex zync with a 720 fico score with no baddies, but short AAoA of 1 year. My oldest account was 1 year 11 months.
So I was wondering what your report looked like when they approved you, did you have to call and recon them?
You should never think of credit card companies as sticking their neck out for you or going out of their way to make you happy. Whether you get approved or not is a mathematical decision(exception being CU's). Credit is a tool, not a right or priveledge granted to you by the good will of others.
Exceptional congrats on the CLI's by the way. Your hardwork and patience has paid off
True, if the discussion is which banks are terrible to work with and which are very pleasant then Amex wins hands down. They have exceptional CS.