AMEX multiple appplications + CLI

[Anonymous]

Hello everyone,

I have an AMEX Everyday Preferred credit card (initial $8k limit) that I applied for in January. I’m waiting the 61 days before I apply for the 3x CLI.

I’d like to apply for the BCE and/or SPG credit card some point as well - my question is will my applying for these extra cards lead to denial of my 3x CLI for the AMEX preferred? Should I wait after the CLI or could I apply for these other cards before the CLI request?

Thanks everyone!

[Anonymous]

Welcome to MF. Congratulations on your new AMEX card and SL! I would wait until after you have tried for the 3x CLI to app for other AMEX cards. Hoefully others will weigh in this as well.

[dak17]

Great question. I’d like to know the answer to this question as well.

[Anonymous]

Just be weary that, if you apply for the CLI first, that, if your credit card sets you over a certain threshold with AMEX, you will have to call in to finalize the new card. (Either transferring some credit if you've met your personal limit, or just verify financial information).

[Anonymous]

Thanks for all the great info! I’m not worried to verify my income with AMEX as I report what I actually earn - is this verification still at $34,500 threshold?

[Anonymous]

What in your profile has changed in the last 61 days that would compel Amex to triple your limit?  Though Amex policy allows it, you need a reason.  Substantial increase in CS, income, cash assets or a significant decrease in utilization?  I’m not saying it can’t happen, but it is not the norm. All of this was explained to me by an Amex rep using a backdoor number posted on MyFico.  She further suggested that I wait 6 mos so that at a minimum I could present some history worth considering.

Good luck and please post your results!

[Anonymous]

I wouldn’t say I expect it but there’s seems to be a good track record of people getting 3CLI so I figured I have nothing to lose asking. I will try to use the backdoor numbers just in case I get refused
As for my situation not much has changed since I applied! Thanks

[Anonymous]

Received my full 3CLI

Thanks for all the comments!!!

[Anonymous]

Congrats!  You definately have something or many things AMEX likes about your profile.

[chaos51]

Awesome! Let us know about whatever card you decide to app for. I love my SPG. It's a better Marriott card than my Ritz card is, but obviously go after whatever you will get the most out of.