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How long did it take to complete your upgrade from the store card to the Amex? I talked to Macy's about a week ago about upgrading my store card to a Macy's American Express after a botched CLI request (I took a hard inquiry for an increase from $800 -> $1500). I was told that there was nothing in my credit profile that should prevent approval, and that it would take 7-10 days for a decision. I logged into my account as recently as two minutes ago and my account is still showing the store (red) card. What was your experience with the upgrade?
Hello all, I am wondering if anyone else has experience/advice to offer on this predicament. I have 6 cards, listed below for reference: Bank of America Cash Rewards Visa Sig $10k/9.99 (6/2010) Citi Diamond Preferred MasterCard $10.2k/11.99 (10/2012) Chase Freedom Visa Sig $10k/15.24 (1/2012) (Call in to the EO about reducing the APR, given how much I spend, good luck to me though with Chase's stubbornness) Amex BCE $12.6k/10.24 (9/2011) Barclay Ring MC $5k/8.0 (4/2012) Discover IT $19k/11.99 (9/2012) (Yes, subprime Discover loves to give me $4-5k soft pull increases every few months!) Anyway, the Diamond Preferred is a good "backup" MC to keep in my wallet in case a purchase gets declined on a Visa card. I would like to have the World benefits, and mainly, I want it because there's no reason with my profile, limits, etc... for me to not have it (I had a Dividend card I closed because I got mad at Citi two years ago, which had a lower limit and was still a World card). I've seen some people meet success just requesting a World card via phone (as I did with my previous card), but this time I am having no luck. I've called the regular numbers, and even the EO & Twitter. When I find someone who even understands what I'm asking, they just start rattling off a list of annual-fee carrying airline cards I can convert to that are World cards. They've also told me you can only get offered the upgrade, which just doesn't sit right with what else I've seen. My conclusion is that Citi is pushing World/Sig away on no-AF cards, as it seems like anything without an AF (TY Preferred Visa, DP Visa, Simplicity Visa), is marketed as a regular Visa, while the AF cards are marketed as Sig cards. Does anyone have an idea as to what I can do? Can I convert to a Dividend card if it isn't offered anymore? Is there anything I could do to get this converted to a World card? Thanks, A very frustrated smc733
This weekend will mark the one-year anniversary on my Gold Delta Amex, CL $5000. Never had an increase, and never requested one due to my overall utilization being off the charts this year. So once all my massive payments to Amex and other finish cycling through this week, and my utilization plunges, I was going to finally try for a CLI. Of course, no decision is that easy, right? Do I simply go for a CLI, or do I try to PC from Delta Gold to Delta Platinum? If I do decide to PC, will there automatically be a consideration of a new limit, or will I have to also ask for that? Basically, does it make sense to do a CLI request first, and THEN a PC, or the other way around, or to do both at the same time? I had a FR at the end of July. Assuming I am OK with a CLI or PC (which would tell me nothing about the FR scared them or pissed them off), I would like to add another Amex. With already having Delta, and with using Marriott as my exclusive hotel, none of the other airline/hotel cards would interest me. Any suggestions on what might be a good one to add? Finally, as noted, card anniversary is this weekend. If I am going for a new card, is there any difference between applying now or waiting until January 2015, or would either new card show 2013 and it would not matter? As always, thanks!