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标题: 怎么觉得自己3x CLI会跪呢。。。 [打印本页]
作者: Ceshis 时间: 2014-8-27 14:47
标题: 怎么觉得自己3x CLI会跪呢。。。
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
作者: 法号蛋清儿 时间: 2014-8-27 14:48
这么高就不用3x了吧。发现LZ的cl都好高...
作者: Ceshis 时间: 2014-8-27 14:50
人家就是想体验一下3x cli的快感嘛
结果曾想给的limit直接不让你cli了。。
作者: usnma 时间: 2014-8-27 14:51
我也是算出来觉得有点太危险所以就没要3x要了2x
作者: 萧萧大人 时间: 2014-8-27 14:51
都这么高了干嘛还要3X……留着额度申别的卡不好么……
作者: Ceshis 时间: 2014-8-27 14:53
我这个是不是要2x都有点危险
试试俩月后要24900行不行 反正是softpull
作者: Ceshis 时间: 2014-8-27 14:55
chase的 ink cash一直是我的痛啊
悲剧了两次了
我是family plan的holder一月电话费快600刀
相当于每年净赚35k UR分啊。。。
结果前两天大波申卡时给忘了 估计现在10多个hard pull
想过很难了吧
作者: 陈叔叔很想你 时间: 2014-8-27 15:14
额，ink cash赚的不是点吧
作者: Ceshis 时间: 2014-8-27 15:16
是URpoint不是嘛~？
作者: 陈叔叔很想你 时间: 2014-8-27 15:17
ink bold和plus才是points吧
作者: 陈叔叔很想你 时间: 2014-8-27 15:20
https://creditcards.chase.com/ink-business-credit-cards/compare-cards?jp_ltg=card_topnav
三个卡放一起比较了，cash卡不能转点，得到的是cash
作者: Ceshis 时间: 2014-8-27 15:39
谢谢叔叔
但那也是每年350刀呀~
不过还是觉得chase分转出去比较值钱
到时候算一下值不值年费吧~
而且可以顺便吧CSP也关了 毕竟重复了
作者: Moses_Huang 时间: 2014-8-27 17:44
ink blod 这种charge卡应该好过吧
作者: 小二黑 时间: 2014-8-27 18:58
膜拜一下
作者: Ceshis 时间: 2014-8-27 23:34
反正ink cash 没年费的都跪了。。好桑心
作者: 戈拉柏 时间: 2014-8-28 00:17
Amex家CLI好像一旦不过就是HP
作者: Ceshis 时间: 2014-8-28 00:40
3x cli绝对是soft pull
作者: 阿饭仔SVF 时间: 2014-12-22 19:43
为毛为毛同样income我的cl只有3k
作者: Ceshis 时间: 2015-1-7 08:25
可能我另一张AMEX的金卡 消费比较多。。
每年4w左右。。每年到旅游的时候帮大家一起订票啥的一个月都10k多
而且那张卡申的早 可能考虑到我有时候消费特别大 而且信用比较好。给我的开卡额度就比较高吧。。
作者: 阿饭仔SVF 时间: 2015-1-7 14:00
谢谢！
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