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Express CLI

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MsLadyRover
Valued Contributor
‎05-24-2013 07:13 AM
‎05-24-2013 07:13 AM

Express CLI

So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit".  At that time I had only made one $31 purchase when I first got the account last May and nothing more.  So a few weeks ago, I made a $26 purchase and went online last night to pay it off.  Decided to try again and boom...$300 increase.  YAY!

So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them.  LOL!

 

 


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 1 of 22
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21 REPLIES 21
CreditJunkie917
Frequent Contributor
‎05-24-2013 07:16 AM
‎05-24-2013 07:16 AM

Re: Express CLI

Nice! Congrats!
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 2 of 22
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youngandcreditwrthy
Senior Contributor
‎05-24-2013 07:48 AM
‎05-24-2013 07:48 AM

Re: Express CLI

Congrats!!!!!:-):-):-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 22
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09Lexie
Moderator Emerita
‎05-24-2013 09:49 AM
‎05-24-2013 09:49 AM

Re: Express CLI

Congrats!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 4 of 22
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LS2982
Mega Contributor
‎05-24-2013 09:53 AM
‎05-24-2013 09:53 AM

Re: Express CLI

CONGRATS!!! Smiley Happy

 

Yea thats hilarious 2 payments is "consistant" lol



EQ FICO 548 3/3/16
Message 5 of 22
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injustifiiable
Valued Contributor
‎05-24-2013 10:12 AM
‎05-24-2013 10:12 AM

Re: Express CLI

@MsLadyRover wrote:

So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit".  At that time I had only made one $31 purchase when I first got the account last May and nothing more.  So a few weeks ago, I made a $26 purchase and went online last night to pay it off.  Decided to try again and boom...$300 increase.  YAY!

So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them.  LOL!

 

 

I hate you...lol.

 

I've been buying/PIF on my Express card twice a month since December (with one month at zero balance) and I haven't gotten squat on CLI.

 

On the other hand, my J. Crew card got another $200 increase...and I've only used it three or four times since I got it in February. (I got the first CLI through the button in April)

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 22
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somnipotent
Frequent Contributor
‎05-24-2013 11:27 AM
‎05-24-2013 11:27 AM

Re: Express CLI

GE is much better at CLIs than CB.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 7 of 22
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injustifiiable
Valued Contributor
‎05-24-2013 11:35 AM
‎05-24-2013 11:35 AM

Re: Express CLI

@somnipotent wrote:

GE is much better at CLIs than CB.

I might pull the trigger on a GE card later this year when a couple more negatives fall off of TU. I figure when my negs get to half a page on my printed report, I might be okay. lol

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 8 of 22
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MsLadyRover
Valued Contributor
‎05-24-2013 11:38 AM
‎05-24-2013 11:38 AM

Re: Express CLI

@injustifiiable wrote:
@MsLadyRover wrote:

So 4 months ago I requested an increase on my $500 Express card and it was declined reason being in their letter that "they want to see a consistent payment pattern with the existing limit before granting additional credit".  At that time I had only made one $31 purchase when I first got the account last May and nothing more.  So a few weeks ago, I made a $26 purchase and went online last night to pay it off.  Decided to try again and boom...$300 increase.  YAY!

So I guess two purchases both paid in full qualify for a "consistent payment pattern" with them.  LOL!

 

 

I hate you...lol.

 

I've been buying/PIF on my Express card twice a month since December (with one month at zero balance) and I haven't gotten squat on CLI.

 

On the other hand, my J. Crew card got another $200 increase...and I've only used it three or four times since I got it in February. (I got the first CLI through the button in April)

Sometimes I don't understand the rhyme or reason for Comenity's increases.  When I was initially denied for my Express increase in January, I had also requested an increase for my Pier 1 card on the same day.  Approved with a $500 increase and I had only made one paid in full purchase on there also and had the card for less time than the express.


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 9 of 22
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MsLadyRover
Valued Contributor
‎05-24-2013 11:39 AM
‎05-24-2013 11:39 AM

Re: Express CLI

Thanks everyone!


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 10 of 22
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