So this is my situation
I want to increase my Amex CL from 13,200 to 24,500
I have been with Amex for 4 years, started with the gold card and then received the blue cash at 4,400 and did the 3x CLI after 60 days and since then I never requested a CLI
I had a hight UTI unti last month (35%), and now I paid off many cards and my UTI is at 7%
I haven’t asked for a CLI yet because AMEX gives CLI based on their last SP and the last SP they have from me is when my UTI was 35%, so I hope they will SP me soon.
Is it true that when my next FICO score will be on my account, they should have a new SP on file ?
Would you guys recommend me to wait for a new SP to show up or could I be approved for a CLI with the higher UTI they have from the last SP ?
What happens if I apply for a new AMEX card ? will they also use a SP to determine if I’m eligible and if I’m approved then they will do a HP ?