The Definitive Amex 3X CLI Guide

[SwarthyOgre]

Another successful 3X CLI on my BCE! I logged in this morning, crossed my fingers, toes and eyes and hit the button...instant approval. 

DP

6/17 - Account open SLI $1,400 - EX 657 - 10% UTIL overall

8/17 - Initial 3X CLI to $4,200 - EX 675 - 20% UTIL overall, 30% on AMEX

10/17-1/18 App spree - 5 new cards

2/18 - Second 3X CLI to $12,600 - EX 699 - 30% UTIL overall, 25% on AMEX

Only baddies are student loan lates from almost 7 years ago.

[SomewhereIn505]

Congrats @SwarthyOgre

[Anonymous]

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@SwarthyOgrewrote:

Another successful 3X CLI on my BCE! I logged in this morning, crossed my fingers, toes and eyes and hit the button...instant approval. 

DP

6/17 - Account open SLI $1,400 - EX 657 - 10% UTIL overall

8/17 - Initial 3X CLI to $4,200 - EX 675 - 20% UTIL overall, 30% on AMEX

10/17-1/18 App spree - 5 new cards

2/18 - Second 3X CLI to $12,600 - EX 699 - 30% UTIL overall, 25% on AMEX

Only baddies are student loan lates from almost 7 years ago.

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Congratulations! 

[jlitnns]

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@SwarthyOgrewrote:

Another successful 3X CLI on my BCE! I logged in this morning, crossed my fingers, toes and eyes and hit the button...instant approval. 

DP

6/17 - Account open SLI $1,400 - EX 657 - 10% UTIL overall

8/17 - Initial 3X CLI to $4,200 - EX 675 - 20% UTIL overall, 30% on AMEX

10/17-1/18 App spree - 5 new cards

2/18 - Second 3X CLI to $12,600 - EX 699 - 30% UTIL overall, 25% on AMEX

Only baddies are student loan lates from almost 7 years ago.

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Love seeing this, my dp's are similar. Although, I'm waiting until June...

Congrats!

[mysterythemoon]

What should be my next move?

About a month ago I got my second 3X for my BCE. SL was 1700, then 4200, now at 12600. My thought is that my next 3X will obviously be pushing it (36k).

But I just added the SPG for 2k and the Hilton for 1k. 

Can I, should I, move some available credit from the BCE to one of those so that when I'm up for my next 3X in five months I can get more bang for my buck while staying under the limit of income verfication?

[Anonymous]

Assuming your profile only continues to strengthen, your income is sufficient and you're using the card a good amount, I would say you could get a near 3X CLI again.  If I were you I'd start at the 3X CLI amount, then back it down to $35k if you're prompted for IV, if so back it down to $34.5k and if still IV is shown back it down to $30k.  I think you'd at least be able to push it to $30k.  From there on out, you may be looking at $5k CLIs every 6 months, assuming you're not willing to provide IV to bump your limit faster.

I went from $10k --> $30k --> $35k --> $40k --> $45k just to provide you with a reference point and with each of those increases I backed everything down in $1k increments, so I'm 100% certain I didn't leave anything on the table with any of them (except perhaps $500).

[Anonymous]

I’m in similar situation that I’m trying to decide what to do. I got the ED and BCE cards back in May 2017 both with SL’s of 2k. In November the BCE was increased to a CL of 18k. My ED is still at 2k. I’m trying to decide what the better play is; to move the limit for the ED to the BCE or try to increase the limit of the ED to a similar CL in the future? Thoughts?

[Anonymous]

If Amex permits you to move limits, wouldn't the best bang for your buck always be to continue to request 3X CLIs (or as big of a CLI as you can get) on the card with the greater limit, then just move some of that limit post-CLI to your lower limit card?

[Anonymous]

Good point. I didn’t think about it in that way. I was wondering if for some odd reason it was easier to get two cards with limits close to each other versus one with a massive limit. So for example, two cards with limits of say 35k, versus one with a limit of like 50k.

[Asilomar]

Same for me, BBS.  I'm at 24K.  What do you think I should ask for?  I'm certainly not going to get 72K.