Just for kickers....
Tried Today - Day 62 - 7-10 days letter message. Tried lesser amount, same thing. Tried Spending Power and was given OK to spend 5K. Tried CLI to 5K, same message - No Cigar.
Originaly approved for 2500 CL 2 month ago. FICO EX Score 671 at that time. Added 3 TL(including Amex) of 26K, dropped Tax Lien in a process, Closed oldest CapOne Secured card. Now Fico 8 is down to 657. I think I got rebucketed in a proccess for not having TaxLiens and AAoA as well.
Will try in a few month, not a biggie.
Good News was I was able to get 3 CLIs from Discover in the same period of time.
S.
@Anonymous wrote:
@SummerOf17 wrote:Just for kickers....
Tried Today - Day 62 - 7-10 days letter message. Tried lesser amount, same thing. Tried Spending Power and was given OK to spend 5K. Tried CLI to 5K, same message - No Cigar.
Originaly approved for 2500 CL 2 month ago. FICO EX Score 671 at that time. Added 3 TL(including Amex) of 26K, dropped Tax Lien in a process, Closed oldest CapOne Secured card. Now Fico 8 is down to 657. I think I got rebucketed in a proccess for not having TaxLiens and AAoA as well.
Will try in a few month, not a biggie.
Good News was I was able to get 3 CLIs from Discover in the same period of time.
S.
The "back out and try again" thing only works for the 4506-T request. "Check Spending Power" is not to be used, nor is it indicative, of an available credit limit.
Let's say you used the CSP button for the 5k and made a 5k charge. They would allow you to make the charge, then when your bill came due next cycle, they would require a minimum payment that would include the entire amount over your already established credit limit. For instance, your CL is 2,500, you spend 4,965: your minimum payment would include the $2,465 you went over. See, that I did not know, THANKS for the heads up!
Try for a CLI again in 91 days, meanwhile, use it heavily and make regular payments.
I just called Amex and they said to try in 91 days as you mention here.
Thank You so much!
P.S. BTW, is there a link to AAoA tiers, I swear I've seen one before...
S.
I have the Amex Hilton HHonors card that I received in early June with a $2,300 limit. While I did not need the CLI after perusing through this great thread I logged into my account and follwed the instructions for requesting a CLI. Put in the max of 3X and was approved. 
Still new around here so thank you for all the great info and tips. Let's see what it does to the scores.
@Anonymous wrote:I have the Amex Hilton HHonors card that I received in early June with a $2,300 limit. While I did not need the CLI after perusing through this great thread I logged into my account and follwed the instructions for requesting a CLI. Put in the max of 3X and was approved.
Still new around here so thank you for all the great info and tips. Let's see what it does to the scores.
Nice job with the 3X CLI. As far as your scores, CLIs rarely do anything for your scores unless you are carrying high balances on low overall credit limits (high aggregate utilization). Also, if you were approved in June I'm guessing that your card didn't report yet to the bureaus? If not, you could see a score drop from AAoA and AoYA when it does report. Just something to keep in mind.
@Anonymous wrote:Can someone please give me tips on how to increase credit limit with Chase and Amex. I would like to increase my credit score close to 800's but feel like im stuck, my score is not moving .
Experian.com Credit Karma
Trans: 700 Trans: 670
Equifax: 688 Equifax: 708
Experian: 669
Do you have an installment loan? Do you have any baddies in the last 24 months?
You can get all three FICO 8 scores from www.creditchecktotal.com for a $1. Just cancel subscription within 10 days.
