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@Anonymous wrote:
It doesn't specify that you need to have the account PIF when requesting the CLI in the 3x Amex thread
It's at about 16% UT which isn't bad IMHO.
That wasn't the point and I don't really care what the 3x amex thread does or doesn't specify. Your questions are about getting a 3x business CLI and I'm just making suggestions for giving you the best chances for accomplishing that.
Do what you wish but I your aren't using the CL you have, why do you want more? Remember business util doesn't matter, it doesn't get reported anywhere.
@Anonymous wrote:
I would like a higher CL because they have a 15k spend requirement and if I want to do that all in one shot in the next month or two then it's kind of hard to do with a 6k Credit Limit.
I understand your problem but this isn't Amex's problem. Unfortunately, you can't expect Amex to meet your credit needs this quick when you just have a one month relationship with them.
Just from what I have been able to gather from post around the 3XCLI thread and from my very own personal experience is Amex will use your previous months sp fico score when evaluating your cli request.So even your scores have improved substantially this month upon your request those scores WILL NOT be taken into consideration. I know it sounds very crazy but they are known to use your previous months sp scores.So if it was something on your report they didn't like that month or your scores where actually lower than your approval ones where you could be denied the increase.
One note about the reasons listed. When they mention account history is too short, they aren't talking about your AAoA or other accounts. That refers specifically to your Amex account being new. I know that you are anxious to get a higher limit but you really need to be patient. Amex just wants to see his you manage the limit that they gave you and in time you will get increases but a 3 month old business account is very new so you will need to wait.