The Definitive Amex 3X CLI Guide

[Anonymous]

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@Anonymous wrote:

 Ok, so I did not want to trigger a proof of income request so I request an increase to 24,500. I was initially told 7-10 but within a few hours recieved a confirmation of approval. Am I understanding correctly that there is an aggregate limit of 35k for all Amex cards under a single account holder or can I request this increase on my other cards as well if in total they will exceed 35k avalible?

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35,000 total limit is what I heard. Without that tax documentation. 

[Lemmus]

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@Anonymous wrote:

Quick question, I have my 61 day limit increase approaching but my initial limit was 16k. Do I still qualify for the 3X increase? Is this even wise with a starting limit so high?

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...one of 4 things will happen 1) Denial 2) Approval 3) Counter offer for a lower amount 4) Request for a 4506T(sic) to verify your income via IRS reports ...if they deny your CLI request, they will give you a reason and you can recon via phone if you choose to ...I would expect a 4506T request if you ask for more than 25k ...if you've made on-time payments and your balance is not high, a denial is unlikely ...several members here report AMEX CLs of 50k or more ...you may get a friendly request to explain why you want the higher limit ...hth

[Pigeyex]

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@Lemmus wrote:

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 ...you may get a friendly request to explain why you want the higher limit ...hth

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And out of curiosity, how should someone respond to that question?  "In case I ever have an unforseen emergency, I want to be able to have access to a healthy amount of credit" would be my instincts, but I don't know what kind of response sounds the most "responsible," and is least likely to scare them off.

Pigeye

[Anonymous]

Approved from 2k to 6k today at midnight! Very exciting!

[Imperfectfuture]

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@Anonymous wrote:

Approved from 2k to 6k today at midnight! Very exciting!

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Congrats

[Anonymous]

AmEx increased my CL earlier this month. I did not ask for this increase it was done by them. Can I ask for another CLI at this time? 

[newhis]

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@Anonymous wrote:

AmEx increased my CL earlier this month. I did not ask for this increase it was done by them. Can I ask for another CLI at this time? 

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If your time is up (61/181), then you can ask for 3X from your current limit.

[eagle2013]

Well past day 181. Kind of fell off CCs for a while. Decided to go for 3x CLI on my oldest card (BCP turning 1 year in March). Have about $700 balance I've been revolving on Amex everyday ($2k limit) for a few months.

BCP initial limit: $7,400

Instant approval for 3x CLI: $22,200

Maybe could have received more but didn't want to push my luck. I guess third's time a charm! Just ready for this to reach a year and re-allocate the limits. 

[Anonymous]

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@eagle2013 wrote:

Well past day 181. Kind of fell off CCs for a while. Decided to go for 3x CLI on my oldest card (BCP turning 1 year in March). Have about $700 balance I've been revolving on Amex everyday ($2k limit) for a few months.

BCP initial limit: $7,400

Instant approval for 3x CLI: $22,200

Maybe could have received more but didn't want to push my luck. I guess third's time a charm! Just ready for this to reach a year and re-allocate the limits. 

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@eagle2013,

Congrats..

[MustangSaluki]

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@CaSHMeRe wrote:

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@dabearsv2 wrote:

I completed the 91-day and 181-day CLI requests and accepted both (5k->15k->21.9k).... When can I request another CLI?

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Not sure ... But I also asked for a measly $5k CLI on my Bus Lowes AMEX today as well, and that one got denied saying I had to wait 6 months.  Here's the exact secured message received:

Dear XXXXXX,

Thank you for your recent request for a credit limit increase. We're writing to let you know we're unable to approve your request at this time for the following reason(s):

We cannot increase the credit limit of a Card within six months of increasing the credit limit on another American Express Card.

Wonder if AMEX is changing things up a bit .... 

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This has always been the case and covered in the OP "Some generic guidelines" section in the end.

• Minimum 6 month since last CLI rule applies across ALL accounts held by an individual and includes both personal & business accounts for the same person. So if CLI was successful on a personal account, no CLI can be approved on all other personal and business accounts for the same person for a period of 6 more months. (Posts 5 and 6 of the AmEx 61 day CLI result: 7-10 day written response thread)