Optimal Utilization for Amex 3X CLI

[yomellamoFICO2013]

I am planning on applying for a 3X CLI on my Delta and Costco Amex cards by the end of next month.

What would be an optimal util % to improve my chances of getting it ?.  Current util is 55%. I have been heavily using my Costco for groceries and only used my Delta once for a plane ticket.

Should I get my util down to 20-30% ? Current TL are $1000.00 (Costco)  and $1200.00 (Amex).

Thank you for feedback.

[bman86]

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yomellamoFICO2013 wrote:

I am planning on applying for a 3X CLI on my Delta and Costco Amex cards by the end of next month.

What would be an optimal util % to improve my chances of getting it ?.  Current util is 55%. I have been heavily using my Costco for groceries and only used my Delta once for a plane ticket.

Should I get my util down to 20-30% ? Current TL are $1000.00 (Costco)  and $1200.00 (Amex).

Thank you for feedback.

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I would definitely read through this thread The Definitive Amex 3X CLI Guide

IMO I would make sure your Amex cards are paid in full before you request the CLI.

[manwoot]

Keep in mind you can only request a CLI on ONE of your cards, not both.

[Creditaddict]

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@yomellamoFICO2013 wrote:

I am planning on applying for a 3X CLI on my Delta and Costco Amex cards by the end of next month.

What would be an optimal util % to improve my chances of getting it ?.  Current util is 55%. I have been heavily using my Costco for groceries and only used my Delta once for a plane ticket.

Should I get my util down to 20-30% ? Current TL are $1000.00 (Costco)  and $1200.00 (Amex).

Thank you for feedback.

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If you use the Costco all the time I would pick that one to do your request and I would get the balance under $300.  Then you will have to wait 6 months for your next CLI on either account.

[ibmrad7]

There isn't "One size fits all" approach for 3X CLIs but lower the utilization, higher are your chances.

In my case I had a 900$ balance on a 4500 initial CL. My overall util across all cards was around 80%.

[chnceit]

Also keep in mind AMEX SPs a lot to see how you are handling all of your cards not only your AMEX cards.