The Definitive Amex 3X CLI Guide

[taxi818]

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@Colombianking wrote:

I have a balance should I pay it all off  or can i ask for cli now?

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The balance does not matter.  Just ask. 

[taxi818]

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@akula wrote:

From a quick cursory reading, is the correct methodology outlined below, correct?

-after 61 days from open date and request 3x the initial CL.

-wait 180 days and ask for another credit limit that is 3x current CL as long as it is not over 25k

-wait 180 days and ask yet again for another CL to be 25,000 if you have not met said limit.

Is that the theory in a nutshell?  Also, what happens if you request more than 3x the initial CL after 60 days - will it automatically be denied?  Thanks in advance for clarification if I have missed the mark.

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Its possible that nothing will happen. But the reason most people stop there is because of The FR from Amex. Financial Review.

In most cases they want tax records. and so on. not what you have but what you to sign form 4506-T which gives them authorization to look at your tax records. Thats too much info for them for most here. as they dont want. if you don't submit. or resistance is futile . otherwise they shut down all your cards and even if you apply in future they still want said tax records. so to avoid that. never go over 25k. which is more than enough.

[Anonymous]

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@taxi818 wrote:

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@Colombianking wrote:

I have a balance should I pay it all off  or can i ask for cli now?

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The balance does not matter.  Just ask. 

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It does to a degree.

They probably won't approve a CLI if you're rocking $9000/$10,000 (90%)

[taxi818]

Yeah. That's kinda common sense wouldn't you say?

[Anonymous]

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

[09Lexie]

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@Anonymous wrote:

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

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Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

[Anonymous]

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@09Lexie wrote:

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@Anonymous wrote:

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

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Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

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I guess i should have put a smiley after it so people knew I was being sarcastic.

[09Lexie]

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@Anonymous wrote:

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@09Lexie wrote:

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@Anonymous wrote:

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

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Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

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I guess i should have put a smiley after it so people knew I was being sarcastic.

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Perhaps, maybe it's late and I'm tired.

[Anonymous]

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@09Lexie wrote:

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@Anonymous wrote:

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@09Lexie wrote:

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@Anonymous wrote:

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

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Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

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I guess i should have put a smiley after it so people knew I was being sarcastic.

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Perhaps, maybe it's late and I'm tired.

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Me too.

I get spasms that run from the base of my spine all the way up if I am not pushing up daisies (falling over) when going to bed.

[Imperfectfuture]

Yes you have, and congrats.

Me, just approved for BCE, so I'm jumping around on pages here.  Trying to decide if I want ti carry a 600 balance, slowly pay down, or not.  Don't plan on applying for cli till 90 days out or so (though might be sooner).  Thread is interesting, started in the 2013 section.