The Definitive Amex 3X CLI Guide

[Gmood1]

I believe they base it on your overall exposure. They gave me $1900 if I'm not mistaken. But they had already nearly doubled my exposure since May of this past year. I was surprised they gave me anything to be honest.

[Anonymous]

I was approved for 15k and am coming up on my 61 day mark.  I was thinking of requesting 25k (or is 24.5 better?).

Thing is, I'm also an authorized user on another Amex card that has an 18k limit.  Will that affect my request or trigger the income verification?  The AU card also had a cli not too long ago.

Thanks!  I just wasn't sure how AU cards equated with CLI's.  

[credit_endurance]

Interesting tidbit (at least for me) that I just found out while speaking to a representative today. Went for my 6 month 3XCLI request and received the 7-10 msg. Assuming a denial called in and got a very knowledgeable rep regarding this and he stated that any credit reallocation is condisered a credit line increase but will only affect the card your trying to request the increase on for 30 days. As we know you can only perform a credit reallocation from one card to the other once every 30 days. So that would explain why I received the 7-10 msg for trying to 3XCLI the same card in less than 30 days in which I just received the reallocation. I will attempt again after my 30 window has passed. Hope this helps someone. 

[Anonymous]

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@Anonymous wrote:

I was approved for 15k and am coming up on my 61 day mark.  I was thinking of requesting 25k (or is 24.5 better?).

Thing is, I'm also an authorized user on another Amex card that has an 18k limit.  Will that affect my request or trigger the income verification?  The AU card also had a cli not too long ago.

Thanks!  I just wasn't sure how AU cards equated with CLI's.  

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I would just ask for whatever you want.  Say it's $30k, that's fine.  If you get a prompt for IV, simply click the back button and try again with a lesser number, like $25k.  Repeat the process starting at whatever number you really want and backing it down as much or little as you want several times until you get an instant approval.  I've done this for my last 2 CLI requests with Amex and it's worked out well.

[Anonymous]

WOOT!  I was at day 64 of being approved, and just asked for 25k (my original line was 15k) and it was instantly approved.    

Now I wonder if I should have asked for more, haha... but I don't need it, so no biggie.   

[mysterythemoon]

682 EX FICO. 39% Util. No baddies. Went online today and asked for 12,600 (3 x 4,200) and got the 7-10 day message. Has that ever NOT been a denial? I guess they don't like my Util? I have to say I'm a little suprised. I have a zero balance with them.

[Anonymous]

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@mysterythemoon wrote:

682 EX FICO. 39% Util. No baddies. Went online today and asked for 12,600 (3 x 4,200) and got the 7-10 day message. Has that ever NOT been a denial? I guess they don't like my Util? I have to say I'm a little suprised. I have a zero balance with them.

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Could be.  That util is likely doing some damage on that EX -- do you have any cards that are really high util (70%, 90%?) individually?

My second CLI request is still 171 days away so I'm definitely going to make sure my profile has everything as perfect as possible!

[RicHowe]

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@mysterythemoon wrote:

682 EX FICO. 39% Util. No baddies. Went online today and asked for 12,600 (3 x 4,200) and got the 7-10 day message. Has that ever NOT been a denial? I guess they don't like my Util? I have to say I'm a little suprised. I have a zero balance with them.

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I got the 7-10 day and was approved.

[mysterythemoon]

I have one card at 70% util. So if I did indeed lose the battle that'll be the hill I died on. If they'd give me a chance to recon, I'd explain that the reason it's high is soley because it's a 0 APR BT that I just started, and however bad it looks on my credit currently is vastly outweighed by the roughtly $1,100 dollars I'm going to save this year in interest. 

Encouraging you got approved Ric... Glimmer of hope.

[Anonymous]

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@mysterythemoon wrote:

I have one card at 70% util. So if I did indeed lose the battle that'll be the hill I died on. If they'd give me a chance to recon, I'd explain that the reason it's high is soley because it's a 0 APR BT that I just started, and however bad it looks on my credit currently is vastly outweighed by the roughtly $1,100 dollars I'm going to save this year in interest. 

Encouraging you got approved Ric... Glimmer of hope.

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Yeesh, 70% definitely can spook them.  And a bank really doesn't want to hear about how you're avoiding paying another bank interest on a balance they're prefer you be able to pay off well short of a year!  I'd try again once you get that utilization under 48.9% or so on any individual card.

If you do recon, report back, I'm curious what the results are!