skyfox2020 Posted August 12, 2006 Report Share Posted August 12, 2006 Since I've recieved my card (Blue for Students), everything I've asked for, I've gotten. I started at 500 in 12/05, I asked for (and got) a 500 increase in 4/06, a Green rewards in 05/06, and an AUTOMATIC CLI of $1000 in 7/06. They just keep on giving....as soon as all of my baddies are off next year I'm going to cancel all my other cards (except one Mastercard for those times when Amex isn't accepted) and just focus on CLIs. I'm loyal for life!! Link to comment Share on other sites More sharing options...
LNY Posted August 12, 2006 Report Share Posted August 12, 2006 Hold on there, sport... don't be canceling cards without talking to us first, OK? Link to comment Share on other sites More sharing options...
skyfox2020 Posted August 14, 2006 Author Report Share Posted August 14, 2006 I check my CLI button again and BAM another $2,000!!!! I Love, Love Love them. It hasn't been a month since the last CLI!!!!!! My goal of $10,000 is closer than I thought! Link to comment Share on other sites More sharing options...
LNY Posted August 14, 2006 Report Share Posted August 14, 2006 You're scaring me now... Link to comment Share on other sites More sharing options...
skyfox2020 Posted August 15, 2006 Author Report Share Posted August 15, 2006 Why is that scarying you? Link to comment Share on other sites More sharing options...
LNY Posted August 15, 2006 Report Share Posted August 15, 2006 Be careful with all these CLIs. Especially if you're getting a hard for each one. Keep an eye on that!! Link to comment Share on other sites More sharing options...
nativechild48 Posted August 15, 2006 Report Share Posted August 15, 2006 Hold on to your other cards regardless of the love Amex gives. Amex is good to have but Amex can be a bit fickle sometimes. any one thing that sets up a flag like a drop in credit scores because of closed CL's might trigger an F/R. Link to comment Share on other sites More sharing options...
skyfox2020 Posted August 15, 2006 Author Report Share Posted August 15, 2006 What is F/R? And I have a Household Bank card that I used for rebuilding and I want to close down all of my sub prime cards after my credit is cleared. Especially if I won't be using it. I will keep my USAA platinum open for diversity (aka when amex isn't accepted) but I don't want to have too many cards open that I simply won't use. That is why I want to focus on CLI. Link to comment Share on other sites More sharing options...
neilj2005 Posted August 17, 2006 Report Share Posted August 17, 2006 great job on the AMEX.. Link to comment Share on other sites More sharing options...
LNY Posted August 17, 2006 Report Share Posted August 17, 2006 AmEx does periodic reviews of your finances, called a financial review or FR. They ask for documentation of your income, debts etc. If for some reason you don't pass at any time, they'll close your card or lower your limit. So relying on one card--and CLIs--isn't the most prudent road to take, especially if you're still a student with baddies on your reports. Diversify. Link to comment Share on other sites More sharing options...
skyfox2020 Posted August 17, 2006 Author Report Share Posted August 17, 2006 I wasn't planning on closing my other accounts until after I graduated and my baddies are off my report ( which will happen at the same time). Plus I will still have USAA. How often do they do a F/R? Are the odds the same as getting audited by the IRS? Oh, and they gave me the CLI after my scores went down because of all the new inquiries added to my report after I applied for more credit. (645 to 628) Link to comment Share on other sites More sharing options...
skyfox2020 Posted August 17, 2006 Author Report Share Posted August 17, 2006 Thanks. If you had told me last year that I would have not just one Amex but 2, I would have laughed in your face. I had Crap 1 for a year with only a 400 CL. Now I have 4000 CL (and counting, I hope) just on 1 card. As the old adage goes: 'good things come to those who wait.' Link to comment Share on other sites More sharing options...
LNY Posted August 17, 2006 Report Share Posted August 17, 2006 They're doing FRs more often than ever now. And the odds are way higher than an audit. I'm not your mother, Skyfox. I can't tell you what to do. I can only tell you what I know. Whether or not you choose to believe it is up to you. Link to comment Share on other sites More sharing options...
skyfox2020 Posted September 1, 2006 Author Report Share Posted September 1, 2006 Did I mention that I love Amex? I just got another $1700CLI(for a total CL of 5700)!!!! They seem to be giving my one every month!!! I can't wait for all my baddies to drop off. I'm going to request a huge increase then.....this is so surreal...a year ago having a credit card with a $1000 dollar limit seemed impossible....I LOVE AMEX!!! Link to comment Share on other sites More sharing options...
skyfox2020 Posted October 3, 2006 Author Report Share Posted October 3, 2006 Wow, another month, another $1,000 CLI from Amex! Total CL-$6700. One month closer to the $10,000 mark!!! Link to comment Share on other sites More sharing options...
direred Posted October 3, 2006 Report Share Posted October 3, 2006 I have an Amex One and, while I've never gotten an FR, I did get a call requesting payment. In truth, I knew that my balance had been creeping up, so I'm not surprised I received a call. I'd had the card 7-1/2 months at the time, and my balances had been creeping up on other cards as well (in part because I was prepping for a major vacation), so I can see their cause for concern.They will nail you if your spending habits change, so be aware of them, and try to be consistent. Link to comment Share on other sites More sharing options...
skyfox2020 Posted October 16, 2006 Author Report Share Posted October 16, 2006 Just applied for the Amex Clear....approved for $10,000!!!!!!!!!!! So my total is Amex Blue for students 6700, Amex Green (unlimited sort of), and now Clear!!! I love AMEX!!! Link to comment Share on other sites More sharing options...
skyfox2020 Posted October 19, 2006 Author Report Share Posted October 19, 2006 Update: Asked for a 3300 CLI for Blue...Cha Ching!!!!! Approved! I LOVE AMEX! Total CL for Blue and Clear, $20,000!!!!!!!!!!! Link to comment Share on other sites More sharing options...
cavazos007 Posted October 19, 2006 Report Share Posted October 19, 2006 I would slow down on that...Scary! Link to comment Share on other sites More sharing options...
skyfox2020 Posted October 19, 2006 Author Report Share Posted October 19, 2006 Why? Link to comment Share on other sites More sharing options...
cavazos007 Posted October 19, 2006 Report Share Posted October 19, 2006 Why?Just the thought of having such high limits...so tempting... .Just my thought! Link to comment Share on other sites More sharing options...
skyfox2020 Posted October 19, 2006 Author Report Share Posted October 19, 2006 True, but I've learned from my mistakes! No more living beyond my means! Link to comment Share on other sites More sharing options...
cavazos007 Posted October 19, 2006 Report Share Posted October 19, 2006 We'll Congrats! Link to comment Share on other sites More sharing options...
gourgi18 Posted October 24, 2006 Report Share Posted October 24, 2006 I love AMEX too! After having their green card for nearly a year and reading posts on here I decided to apply for another card. Ended up applying for two and got the starwood and hilton honors card both 5000 each! Woohoo I love AMEX who needs Hooters! Link to comment Share on other sites More sharing options...
LNY Posted October 24, 2006 Report Share Posted October 24, 2006 I love AMEX too! After having their green card for nearly a year and reading posts on here I decided to apply for another card. Ended up applying for two and got the starwood and hilton honors card both 5000 each! Woohoo I love AMEX who needs Hooters!A lot of people here do. Let's not lose sight of that when we're celebrating our own successes, OK? Link to comment Share on other sites More sharing options...
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