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Last neg dropped off of EX!

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After double digit phone calls to get an old Cap one CO removed from EX, I finally got a car that removed it yesterday. Checked CCT this morning and score increased to 724!!. This was 662 yesterday. So, I have a question.... I now have 5 cards, and I had planned on letting them garden with that number. I've gotten in with AMEX with 2 cards, but both with low $1000 limits. I've tried the 3x CLI, but was denied for both. Should I apply for just one more AMEX to get a higher limit now that my score is at 724? or leave it alone and let them continue to garden?

 

 

Thanks!

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Congrats on the deletion and the big bump!

 

Don't kill your AAOA with more cards unless they have a long-term purpose. 2 new Amices at another $1,000 each doesn't qualify.

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Congrats on the deletion and the big bump!

 

Don't kill your AAOA with more cards unless they have a long-term purpose. 2 new Amices at another $1,000 each doesn't qualify.

+6000

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Congrats on the deletion and the big bump!

 

Don't kill your AAOA with more cards unless they have a long-term purpose. 2 new Amices at another $1,000 each doesn't qualify.

+6000

+6001

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Congrats on the deletion and the big bump!

 

Don't kill your AAOA with more cards unless they have a long-term purpose. 2 new Amices at another $1,000 each doesn't qualify.

+6000

+6001

 

+6069

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Thanks for the replies. I’ll hold off on adding another Amex. Just hate having other cards at 17k, and 10k and 2 low limit Amex’s. Maybe I’ll try again around the middle of the year to increase both of them. The last time I asked for increases, my EX score was around 650.

 

 

Sent from my iPhone using Tapatalk

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Thanks for the replies. I’ll hold off on adding another Amex. Just hate having other cards at 17k, and 10k and 2 low limit Amex’s. Maybe I’ll try again around the middle of the year to increase both of them. The last time I asked for increases, my EX score was around 650.

 

 

Sent from my iPhone using Tapatalk

 

My cards range from $600 to $81,000.

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The best way to get CLI with AMEX in my experience is to use the card and always PIF. AMEX likes seeing high usage combined with PIF each month. Use your AMEX for your spending throughout the month, and you can pay off the balance before the statement cuts if you don't want it to affect your FICO score. Do that for about six months, then ask for a CLI if they don't grant you one automatically. As everyone else said, let your AAOA age, as going on too much of an app spree, especially with a thin credit file, is likely to cause AA.

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The best way to get CLI with AMEX in my experience is to use the card and always PIF. AMEX likes seeing high usage combined with PIF each month. Use your AMEX for your spending throughout the month, and you can pay off the balance before the statement cuts if you don't want it to affect your FICO score. Do that for about six months, then ask for a CLI if they don't grant you one automatically. As everyone else said, let your AAOA age, as going on too much of an app spree, especially with a thin credit file, is likely to cause AA.

This ^. Amex tells you what it wants. Do it if you can and it will give you whatever you ask. Max the $1000 cards a couple of times and PIF, you'll see magic.

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