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Re: The Definitive Amex 3X CLI Guide Discussion Thread


Glastium wrote:

I've read through most of the replies but nobody seems to mention what to do in this situation...

 

I got my first 2 Amex cards on 6/1 and 7/1 respectively. Am I eligible to do the 3x CLI on 8/1, or do I have to wait till 9/1? Thanks.


The question has been answered - it's 61 days from account creation. If you want the cli's on your June approval it's 61 days or July's approval it's 61 days. You may only ask for one- not both. If denied its 90 days from the date of denial or 180 days from approval. Amex considers all cc's as the 'account ' not individual accounts in this situation. 

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Re: The Definitive Amex 3X CLI Guide Discussion Thread

I really only applied for this CC because I wanted to see if I could finally get approved for an AMEX post BK.  I have all the "prime" CC's I need and more than enough credit.  Like my other CC's I will very rarely use or have any need for the credit available.  I'm just playing their FICO game just in case I need a car loan or a mortgage in the future. Do I need to use this card in the 61 day time period before asking for a 3X CLI??

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Just discovered this thread and got an instant approval (1500 > 4500).  It had been over 90 days since I opened the account.  

Starting: TU: 680 ; EX: 678; EQ: 672 / / Current: TU: 711; EX: 700; EQ: 703/ / Goal: 720;
Gardening since: 6/24/2016
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Registered: ‎10-16-2011
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Today was my 61 days & I got the 7-10. That really sucks as my Exp report is a 745 & I have not opend any cards beside the PRG charge card I got at the same time.Guess I will try again in 90 days. I did run abut 3k through it and PIF, but I owe like $200 as of right now. But I will have it paid b4 statment cuts.

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Re: The Definitive Amex 3X CLI Guide Discussion Thread


sportsguy83 wrote:

Just discovered this thread and got an instant approval (1500 > 4500).  It had been over 90 days since I opened the account.  


Congrats!   You could ask for $13500 in 181 days.   I'll be asking for that amount on November 1st




Start: 619 (TU08, 9/2013) | Current: 775 (TU08, 11/16/16)
Sam's Club MC $25000 | AMEX BCE $20400 | Sallie Mae WMC $16500 | Cap 1 QS WMC $16500 | JCP $15000 | Discover IT $11500 | Care Credit $10200 | BofA BBR #1 $10100 | CU Visa $10000 | Marvel MC $10000 | Citi DC $8000 | Amazon Store $8000 | US Bank Cash+ VS $7500 | Blispay $7500 | BofA BBR #2 $7000 | Macy's Store $5400 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | Target $1900 | Costco Anywhere $1700 | ~~Gardening Since 10/28/16
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Posts: 104
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Recieved 3x cli on my everyday card today. Went from 5000 to 15000. Amex seems to love me!!

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Sweet!!!! 👏👏
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

5K  --->15K  on the 180th day......This thread is a blessing

FICOs: EX: 817, EQ: 823, TU: 812
Nordstrom Visa Signature 12k
Diners Club Premier 40k
Chase Sapphire Reserve 30k
American Express Platinum NPSL
American Express BCP 25k
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

Just recieved my BCE with $3500 CL.  I'm expecting a $10,500 CL 61 days from now.  6 months later, it better be at $25K.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
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Re: The Definitive Amex 3X CLI Guide Discussion Thread

[ Edited ]

SunriseEarth wrote:

JollehRoger wrote:

I reached 6 months a few days ago so I requested a CLI yesterday. I asked for a limit of $8000 which Amex countered with a $200 dollar increase taking me to a limit of $6800 from my then current limit of $6600. Declined it and figured I would sleep on it. Today I called in, told the CSR that I hate uneven credit limits, and asked if I could amend the previous request to $7000. She put in the request but told me she was still getting the same counter offer. So I took the offer and 6 months from now I will request my last CLI ever which will be for $200. That will take me to my requested $7000 and after that I will never ask any lender for an increase again. I will just let them come to me with auto increases which should happen once I graduate and start earning higher income. My income right now is only around $20,000.


If your income is $17K, then the $6800 CL is 40% of that amount.   AMEX is said to limit requested CLIs to 40% of income per revolver.  


My income from my parents usually winds up being a little bit over $20K at the end of the year but I always put down $20K on apps to make it simple. So 40% would be $8K which is why I first requested that amount. The letter they sent to my email mentioned that they turned me down because of my student loans ($9,250). I have the money in my savings to pay off over half of my student loans but since the loans are subsidized I figure it's better to let that money earn some interest. I figure I can get another $200 from them in due time and then wait until I graduate.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.

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