Update Card Received Amex Optima Usage

[Red1Blue]

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@sjt wrote:

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Its important to keep it active, whether its a few charges or using it as your main card. The problem is that there are no rewards.

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Thanks for your input. I am going to keep it active. But with $900 CL which is a low limit makes it hard to make it as my main card. I'll make some charges and keep it active. Yes, It is a bummer there are no rewards. Looks like you have an Optima card also ? Is it same as my Optima Card?  Were you able to get CLI on the card after 12 months ?

[Red1Blue]

Today in the USPS mail, I received American Express Optima Card. CL $900. Nothing to be excited. It is no thrils and frills card. I am glad to be back in the Amex Family. I have no desire to obtain new credit or pay outrageous interest rates. Few more COs to pay and hopefully I should have $0 Debt before end of this year. Looking forward to a debt free comfortable life.

[Rogue46]

Congratulations on the card and to a debt free life soon !

[blindambition]

Congrats! Good luck with your rekindled relationship with Amex. 👍🏻 

[M_Smart007]

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@Red1Blue wrote:

Today in the USPS mail, I received American Express Optima Card. CL $900. Nothing to be excited. It is no thrils and frills card. I am glad to be back in the Amex Family. I have no desire to obtain new credit or pay outrageous interest rates. Few more COs to pay and hopefully I should have $0 Debt before end of this year. Looking forward to a debt free comfortable life.

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@Red1Blue, Congrats on your continued success

[Repairman]

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@Red1Blue wrote:

Question for those who have Amex Optima card. How often do you use the card and how heavily do you use it. My card limit is $900. Any suggestions how to use it ? I pay in full for all my accounts and will not carry balance. Should I use it lightly once or twice a month and keep it alive or should I use more often and pay it in full before statement cuts ? I appreciate your input.

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When I got mine, I put heavy (what I could handle) usage on it and PIF every month to show responsible handling of credit. I was rewarded with a 3x's cli just 3 months after opening, and a higher tier AMEX card just after a year.

[bicboiOD]

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@Repairman wrote:

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@Red1Blue wrote:

Question for those who have Amex Optima card. How often do you use the card and how heavily do you use it. My card limit is $900. Any suggestions how to use it ? I pay in full for all my accounts and will not carry balance. Should I use it lightly once or twice a month and keep it alive or should I use more often and pay it in full before statement cuts ? I appreciate your input.

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When I got mine, I put heavy (what I could handle) usage on it and PIF every month to show responsible handling of credit. I was rewarded with a 3x's cli just 3 months after opening, and a higher tier AMEX card just after a year.

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May I ask how you were given a CLI after 3 months? I thought the Amex Optima specifically indicates that the card is not eligible for any CLI for 12 months. Unless you're saying they did an auto CLI?

[Repairman]

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@bicboiOD wrote:

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@Repairman wrote:

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@Red1Blue wrote:

Question for those who have Amex Optima card. How often do you use the card and how heavily do you use it. My card limit is $900. Any suggestions how to use it ? I pay in full for all my accounts and will not carry balance. Should I use it lightly once or twice a month and keep it alive or should I use more often and pay it in full before statement cuts ? I appreciate your input.

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When I got mine, I put heavy (what I could handle) usage on it and PIF every month to show responsible handling of credit. I was rewarded with a 3x's cli just 3 months after opening, and a higher tier AMEX card just after a year.

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May I ask how you were given a CLI after 3 months? I thought the Amex Optima specifically indicates that the card is not eligible for any CLI for 12 months. Unless you're saying they did an auto CLI?

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No, I requested a 3x CLI and it was granted. I've read on this board, however, people saying that there are no cli whatsoever, on the card. This was several years ago though when it was granted. I tried again this past year and got a message that the card is not elgible for CLI, though I was granted an $11,000 increase just yesterday, on my higher tier AMEX.

[bicboiOD]

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@Repairman wrote:

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@bicboiOD wrote:

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@Repairman wrote:

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@Red1Blue wrote:

Question for those who have Amex Optima card. How often do you use the card and how heavily do you use it. My card limit is $900. Any suggestions how to use it ? I pay in full for all my accounts and will not carry balance. Should I use it lightly once or twice a month and keep it alive or should I use more often and pay it in full before statement cuts ? I appreciate your input.

---

When I got mine, I put heavy (what I could handle) usage on it and PIF every month to show responsible handling of credit. I was rewarded with a 3x's cli just 3 months after opening, and a higher tier AMEX card just after a year.

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May I ask how you were given a CLI after 3 months? I thought the Amex Optima specifically indicates that the card is not eligible for any CLI for 12 months. Unless you're saying they did an auto CLI?

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No, I requested a 3x CLI and it was granted. I've read on this board, however, people saying that there are no cli whatsoever, on the card. This was several years ago though when it was granted. I tried again this past year and got a message that the card is not elgible for CLI, though I was granted an $11,000 increase just yesterday, on my higher tier AMEX.

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Gotcha that makes more sense. And yeah I'm probably just going to use the card for little purchases and always PIF, and hopefully get back into a higher tier AMEX after the 12 months! 

[Repairman]

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@bicboiOD wrote:

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@Repairman wrote:

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@bicboiOD wrote:

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@Repairman wrote:

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@Red1Blue wrote:

Question for those who have Amex Optima card. How often do you use the card and how heavily do you use it. My card limit is $900. Any suggestions how to use it ? I pay in full for all my accounts and will not carry balance. Should I use it lightly once or twice a month and keep it alive or should I use more often and pay it in full before statement cuts ? I appreciate your input.

---

When I got mine, I put heavy (what I could handle) usage on it and PIF every month to show responsible handling of credit. I was rewarded with a 3x's cli just 3 months after opening, and a higher tier AMEX card just after a year.

---

May I ask how you were given a CLI after 3 months? I thought the Amex Optima specifically indicates that the card is not eligible for any CLI for 12 months. Unless you're saying they did an auto CLI?

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No, I requested a 3x CLI and it was granted. I've read on this board, however, people saying that there are no cli whatsoever, on the card. This was several years ago though when it was granted. I tried again this past year and got a message that the card is not elgible for CLI, though I was granted an $11,000 increase just yesterday, on my higher tier AMEX.

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Gotcha that makes more sense. And yeah I'm probably just going to use the card for little purchases and always PIF, and hopefully get back into a higher tier AMEX after the 12 months! 

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When I was using it, I was putting very high use on it and paying it off, partially as a conscious effort to prove responsible, frequent use and ability to pay, and partially because at that time, my credit had fallen into such ruins that it was legitemately one of my only options for use. I have to say American Express, more than any other creditor, has been truly phenomenal in helping me repair, rebuild and grow my credit and relationship with them. When I fell on hard times, I wrote a postal letter to the then CEO, and within days, I received an email from his Executive Assistant stating he had asked her to reach out to me, and she asked me to call her back in her office. We played phone tag a couple of times and had a couple of phone conversations. She personally offered me the Oasis Optima program, took the time to explain it, and sent me the necessary forms and reached out to me to congratulate me on approval. And like I said, I req a 3x cli after a few months and it was granted, only a year later, I was given a higher tier card with a good sl, and that cl has grown steadily over the next few years to $30,000. And mind you, when I reached out to AMEX, my credit was in shambles with massive unpayable debt, and 4 MAJOR baddies on it...2 of which, were with American Express. Now, I am on my way to the 800 club within this year. I can not praise their helpfulness in my journey to success more.