The Definitive Amex 3X CLI Guide

[Anonymous]

As I was reading your update today regarding your increase, hubby calls and tell me my card just arrived. I applied on 9-22/-15 card was shipped 9-24 and received today 9-28. After reading your message I was a bit apprehensive about requesting too much. I called and asked my limit he raised from $1k to $7500, which I didn't expect to receive but o was hoping for a counter of for the max I would be approved for. The rep told me its pending and to call them back in24 hrs. Boo hoo

[Anonymous]

Btw the cust svc rep told me CLI request is never a hard pill unless there's a fraud alert on your profile. And they do offer counters. Of course doesn't mean you'll be approved, but they do participate

[Anonymous]

Call them back and ask for 3x 1800-576-8942.  I just called to check" my request. In was approved instantly when I applied for $1000. Rep told me I can request an increase as soon as I got my card. Another rep said the same and that the 60 day rule no longer applies. When I called I yesterday I asked if I'm not approved for what I asked will I be counter offered with Whatcom approved for or will it be a flat out denial. She said it won't be denied just because it's more than what I ask and theyll counter me with what I am approved for. Today via chat I asked to check status. Rep said it was still pending and that it would prob be denied since I just opened the account and I have to wait 60 days. I told him another rep told me something opposite. He said ok, it must be a special case for you.dummy. Called back the credit increase department they said it wouldn't be approved for $7500 and they are only allowed 3x. So she will resubmitted for 3x which is $3000 and I will get a response within 48hrs

[Cmikul]

So my 61st day is on 10/5.  

Yes, I've read all the threads, I know the 60day deal is dead, but I waited anyway and am going to ask on the 62nd day.

I will report back my result and am expecting a denial based on the recent reviews.

problem is I need to get this behind me so I can start focusing on some hard pull requests and timelines. 

If i don't get approved I'll be moving the Amex monthly  spend to another card for movement.

some data points:

BCE approved 8/5 @ $4500 SL

AAoA 2yr

total open credit limits approx $22k 

util at 11-19% consistently 

income +$150k/yr

ex at 689

[Anonymous]

Good to wait. One rep told me even though the rule no longer applies, is best to wait to establish a history's it will improve your approval odds add long as it's all good

[newhis]

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@Cmikul wrote:

So my 61st day is on 10/5.  

Yes, I've read all the threads, I know the 60day deal is dead, but I waited anyway and am going to ask on the 62nd day.

I will report back my result and am expecting a denial based on the recent reviews.

problem is I need to get this behind me so I can start focusing on some hard pull requests and timelines. 

If i don't get approved I'll be moving the Amex monthly  spend to another card for movement.

some data points:

@BCE approved 8/5 @ $4500 SL

AAoA 2yr

total open credit limits approx $22k 

util at 11-19% consistently 

income +$150k/yr

ex at 689

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Are you able to look at the SPs that Amex are doing? The thing is if the last SP is old, it is better to wait for a new one (if things improved). They will use the latest SP on file for your CLI. Good luck.

[Anonymous]

I only just got the card this week. Probably won't get approved since this is my first card that isn't for crappy credit and it's a new account. I'm sure I'll get it at my 90 day check up

[Anonymous]

This link [About pulling credit report from Experian] seems to be dead now.

I was able to retrieve the credit report with the link as early as Sep 23rd but not anymore.

The fact that even the interface has changed between then and now, i am inclined to think this free ride seems to be dead now.

If you are able to retrieve the report successfully, please let me know the link used / info you used to retrieve. 

[Anonymous]

You can go to www.freecreditreport.com or www.creditchecktotal.com. Both powered by experian. On www.freecreditreport.com, you can get the experian completely free or all 3 with a trial or monthly fee on wait her site.

[Anonymous]

Update: declined for increase today. Gotta wait til 01/05/16