The Definitive Amex 3X CLI Guide

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
It means what it said. It's a problem on their end. Try again tomorrow.

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Actually it wasn't a problem on their end.  I noticed that every time I submitted a new CLI request amount ($50,000.... $49,000..... etc) just hitting the back button and putting in a new amount would yield me the error message I received and posted on the previous page.  If I completely X'd out of the request though and started over, I wouldn't get this message.  I guess it had to do with how I was proceeding with each request.  This is important to know for others that try this slightly backing down the CLI amount method.

I was approved when I got to $35,000, so it ended up being a $5000 CLI in case anyone was wondering.  I was hoping for $40,000 (my ultimate goal for the card) but that's fine for now.  I'll try for more in 6 months.

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You kept getting an error until the CLI amount was low enough? 

I am at 186 days since last CLI and just tried for 3x on my 8k ED and got the 7-10 day notice. Wondering if I should just try again immediately with a lower amount?

[redpat]

IMO, they just gave you a card for 10k.  I think that would be considered a CLI eventhough it wasn't your ED.  My thinking is because a new line was given to you.

[Anonymous]

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@redpat wrote:

IMO, they just gave you a card for 10k.  I think that would be considered a CLI eventhough it wasn't your ED.  My thinking is because a new line was given to you.

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Could be... I think I had opened the ED when I did my first 3x CLI (on the SPG personal) from 6k to 18k though.

Was hoping to get the ED up into the 20's for another 20k+ line haha  oh well, guess we will see.

[Anonymous]

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@redpat wrote:

IMO, they just gave you a card for 10k.  I think that would be considered a CLI eventhough it wasn't your ED.  My thinking is because a new line was given to you.

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Shouldn't the clock only reset when you actually request a CLI? I've never heard of getting a new card doing that.

[Anonymous]

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@Anonymous wrote:

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@redpat wrote:

IMO, they just gave you a card for 10k.  I think that would be considered a CLI eventhough it wasn't your ED.  My thinking is because a new line was given to you.

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Shouldn't the clock only reset when you actually request a CLI? I've never heard of getting a new card doing that.

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Yeah I don't think it works that way, like I said I got a 6->18k CLI on the SPG personal card right around the time I opened the Everday card. 

I am just wondering if the 7-10 day thing means I need to submit again with a lower amount? I don't want to send them my income tax form, mostly because I got 2 promotions in Q4 last year so if they look at that it will be a good chunk lower than what I actually make now.

[Anonymous]

The 7-10 day notice is a denial. Wait 90 days before trying again.

The only time you want to back up and put in a lower amount is when you get the 4506T notice.

I repeat, you received a denial . Wait 90 days, try again.

[Anonymous]

Yeah I got the 7-10 day message back in December...It was a denial.

[Anonymous]

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@Anonymous wrote:

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@redpat wrote:

IMO, they just gave you a card for 10k.  I think that would be considered a CLI eventhough it wasn't your ED.  My thinking is because a new line was given to you.

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Shouldn't the clock only reset when you actually request a CLI? I've never heard of getting a new card doing that.

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Getting a new card has no effect on the CLI process other than it may affect how much overall credit Amex will extend to you.  No effect whatsoever on the timing of a CLI request.

[Anonymous]

so is jumping the clock by not waiting 180 days a denial meaning you 'have' to wait 90 additional days or just double check your calendar and re apply after the 180 days has passed.

[Anonymous]

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@Anonymous wrote:
so is jumping the clock by not waiting 180 days a denial meaning you 'have' to wait 90 additional days or just double check your calendar and re apply after the 180 days has passed.

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Trying too early does not reset the clock so you just have to try again when the 180 days has passed