amex credit limit increase

[larinoriani]

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@scottwagnon wrote:

beeks, i guess you got me beat! automatic and 1k more than me. than again i have only had my blue since october. i supposed if i would have waited i may have gotten this too.

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I've had the card since nov 3 and don't see the button yet...let's see how long it takes to "appear".

[shiftomnimega]

All this AMEX CLI talk got me to apply for one, too.  I just went from $5,500 to $10,000 on my Blue Cash.  I wonder if I could have pushed them for more.  Kinda weird that my Clear is stuck at $3,000.  

[DI]

Anyone know if AMEX make counter offers when you request a CLI? I hope I'm not selling myself short when I request small increases to not get denied. 

[DI]

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@shiftomnimega wrote:

All this AMEX CLI talk got me to apply for one, too.  I just went from $5,500 to $10,000 on my Blue Cash.  I wonder if I could have pushed them for more.  Kinda weird that my Clear is stuck at $3,000.  

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Are you saying that you have a Clear and Blue Cash card?  Did they backdate one of the cards?

[shiftomnimega]

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@DI wrote:

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@shiftomnimega wrote:

All this AMEX CLI talk got me to apply for one, too.  I just went from $5,500 to $10,000 on my Blue Cash.  I wonder if I could have pushed them for more.  Kinda weird that my Clear is stuck at $3,000.  

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Are you saying that you have a Clear and Blue Cash card?  Did they backdate one of the cards?

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Yeah, the blue cash was backdated to the year I got the Clear.  Too bad I didn't know about back dating 5 months ago or I would have waited until January to get the Blue Cash.

[DI]

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@shiftomnimega wrote:

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@DI wrote:

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@shiftomnimega wrote:

All this AMEX CLI talk got me to apply for one, too.  I just went from $5,500 to $10,000 on my Blue Cash.  I wonder if I could have pushed them for more.  Kinda weird that my Clear is stuck at $3,000.  

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Are you saying that you have a Clear and Blue Cash card?  Did they backdate one of the cards?

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Yeah, the blue cash was backdated to the year I got the Clear.  Too bad I didn't know about back dating 5 months ago or I would have waited until January to get the Blue Cash.

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You're making me want to apply for the Clear card and have them back date it. 

[haulingthescoreup]

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@DI wrote:

You're making me want to apply for the Clear card and have them back date it. 

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The Clear is just 1% cash back. You'd do better to go with Costco True Earnings, or Blue Cash if you're willing to make it your go-to card. (Can't remember which one you have already.)

Is your previous AmEx card older than your AAoA? Back-dating is great --certainly better than a brand-new opening date, but if the older card is younger than your AAoA, as in my case, your AAoA will still drop some.

[DI]

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@haulingthescoreup wrote:

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@DI wrote:

You're making me want to apply for the Clear card and have them back date it. 

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The Clear is just 1% cash back. You'd do better to go with Costco True Earnings, or Blue Cash if you're willing to make it your go-to card. (Can't remember which one you have already.)

Is your previous AmEx card older than your AAoA? Back-dating is great --certainly better than a brand-new opening date, but if the older card is younger than your AAoA, as in my case, your AAoA will still drop some.

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I have the Blue Cash already.  Now that I live in an area that has a Costco, I'm thinking about becoming a member and then apply for the AMEX Costco card.  I opened the Blue card in 2009. 

[haulingthescoreup]

Sounds like your case is like mine, then --a new AmEx card will show as a couple of years old, so you'll dodge the "new credit" bullet, but it's still going to drop your AAoA.

The Costco rewards are 3% on gas and restaurants, 2% on travel, and 1% on everything else. I sprang for the Executive Membership, getting 2% back from Costco purchases, independent of the AmEx rewards, so that makes my Costco purchases get 3% rewards.

But I'll be hard-pressed to buy that much from Costco at this point in my life, and you might find it the same for you. In most cases, their prices aren't that much better than elsewhere, unless you get one of the great prices on buying in bulk. It took a week to get through that 2 1/2 lbs of organic spinach!

So you might not get much net value from the card (or any other back-dated AmEx card), depending on the rewards you get on your other cards.

[scottwagnon]

lol... DI.. my cli was as you described "counter offer" or what they call partial cli approval. i asked for a 5.4k increase. but they only approved me for 4k cli. but actually i asked for 5.4k limit, and i think the rep misunderstood me, but it was to my advantage actually because intsead of receiveing a 3.4k increase, i received a 4k increase. a 4.5k increase would have been even better though