本帖最后由 Ceshis 于 2014-8-27 15:04 编辑
之前一直用的charge card 没有真正信用卡 所以前两天就申了一张
AMEX的 Everyday 新出的那个透明白色的 没有年费 准备留着撸offer 再就是体验一下3x cli的快感。。
结果秒过了16.8k的额度。。
我在网上查到这个
The following are potential reasons why Amex asks for 4506T for a CLI request.
- New requested credit limit exceeds $25,000 for that particular account.
- New requested credit limit would make overall credit extended across all Amex revolving accounts exceed $34,500
- High internal risk score due to income on file to overall credit across amex and non-amex accounts ratio being too low.
- Unusual/large/manufactured/risky spending patterns.
单张卡超过25k 或者 总过AMEX的卡超过34.5k就会让交4560T表格
表示身为学生 AMEX就算管IRS要税表也找不到啊
16.8k乘以3好像。。。好像正好50k了。。。上面除了最后一条其他三条都占了
但是第三条除了AMEX的卡外 别的卡总额度也超100k了。。貌似怎么样都会被要求填表啊。。
楼主的收入写的是70k
60k学费家里打 剩余自己打工但每年不到5k所以不用报税
那岂不是60天后 3xcli肯定会跪嘛
坛里有大神有啥建议么。。
还是3x clii不用考虑了。。
========================================
网上找到老美成功了 经验如下 是13.5k的3x CLI
I hit 61 days this morning and checked my online options to "Manage Credit Limit", but found that there was no option to request an increase there. Remembering that I had seen an issue with this previously in this thread, I searched and found a solution in post #73. So, now having the ability to request the increase I put in a full 3x request for $13,500 and entered in my income. Seconds later I was told that my request was approved - Full 3x CLI for me!!!
The additional data points I offer are as follows:
- My spending overall has yet to total even $1,000 on that card. I'm somewhere near $650 posted, and another $400 pending.
- I made a full payment on the day immediately after the payment statement cut. Then made another payment the day before the second statement cut to keep utility low and then scheduled another payment this morning to bring the balance back down to zero.
- The last Amex soft pull I have record of (and I will keep checking this week) was from January 24. I had left balances on each of my cards for reporting purposes that month, and my utilization was approximately 10% on Citi, and 8% on Chase and Capial One. I will provide more detail when I have time tonight. If Amex did soft pull again recently, they would see that the balances reported decreased on all 3 of those cards since I paid them all in full during January and my February charges were much lower because I didn't travel for work or vacation as I did in January.
EDIT:
- First month's spending totaled $215 + $75 AF. Paid this in full a day later as I mentioned
- Second month's spending totaled $395. Paid down $340 prior to the due date.
- Spending then occurred to the tune of $402 immediately after the statement cut. Which leaves me with a balance of approximately $450 today. I have scheduled a payment for the remaining $55 of the second month's outstanding balance, but it won't process until Monday.
This means my total "purchases" are just over $1,000 - and my fees are $75.
Another thing I didn't point our here was that I checked my "spending ability" for $10,000 using the online tool and was declined. This happened yesterday, so that puts evidence into the "it doesn't matter" pile. However, I don't have a charge card, so if the check spending ONLY matters for people with a charge card then this is a moot point.
OK - I think that's it. I've done my duty for the forums. More to come in 6 months
| 
发表于 2014-8-27 14:47:07
收藏
分享
赞赞赞！
踩踩踩！
微博分享
变色卡
楼主
发表于 2014-8-27 18:58:23