The Definitive Amex 3X CLI Guide

[mster]

Hrmm... the wording in the original email is a bit confusing - the large bold text headline says “Enjoy a higher credit limit on your Card. A special invitation for select Card Members." then goes on “In appreciation of your history with us, you’re invited to increase your credit limit by $xxxx on your American Express account ending in XXXXX. To request your increase… this offer is valid through…” then there’s a big “Request an Increase” button. 

So it looks on the surface like I’m not initiating the request, but the word request itself is used repeatedly throughout the email.

[wHiTeSoL]

MyFico/Other Handle: wHiTeSoL
Initial CL: $2,000
61 day/181 day CLI: (please indicate whether 61day/181day also) 61
Amex Utilization @ CLI: 70% (Always PIF but haven't yet this statment)
Overall Utilization @ Last EX Soft Pull: 15%
Ratio of Income/(Overall Available Credit) (4 decimal places): 1 (85k income, 85k avail credit across all accounts)
Number of new credit lines opened since opening Amex account or last Amex CLI: 0
Total $$ value of all transactions since Amex account opening or last Amex CLI: $26,000 (MS)

Approved for $6,000 total CL.

[dollar_bill]

Opened a Costco TE card on 8/23/13 1st card ever with AMEX

Initial Line $2k with a 746 EX score.

10/24/13 increase to $6k using the website 746 EX score

4/26/14 increase to $18k using the website 740 EX score UTIL is 4% overall, $95 AMEX balance (gas hog!)

I've opened 2 new card accounts and a mortgage since opening AMEX. I have 5 hard pulls on my credit.

Both CLI's instant approvals, i've probably ran $20k through the card since opening the account. The guides posted here are the reason for the huge CLI increase, I never would of known how to do this otherwise, so a big thank you to the board. Really don't have a reason to go higher, the $18k is more than I need to be honest.

[kogama]

In regards to this total account value of over $34,500. Does this only include your personal cards or all ACM cards registered on your account as well?

[SunriseEarth]

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@lowimpact wrote:

Hrmm... the wording in the original email is a bit confusing - the large bold text headline says “Enjoy a higher credit limit on your Card. A special invitation for select Card Members." then goes on “In appreciation of your history with us, you’re invited to increase your credit limit by $xxxx on your American Express account ending in XXXXX. To request your increase… this offer is valid through…” then there’s a big “Request an Increase” button. 

So it looks on the surface like I’m not initiating the request, but the word request itself is used repeatedly throughout the email.

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Some members have reported taking this type of offer and then having a successful 3X CLI using this new amount on their usual schedule.

[09Lexie]

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@kogama wrote:

In regards to this total account value of over $34,500. Does this only include your personal cards or all ACM cards registered on your account as well?

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ACM limits are the primary cards limits; they do not have additional limits for the ACM card.  So the person requesting a credit line increase their basing approval on their primary cards only as well as their internal score incoming assets etc.

[shakalaka]

So another Datapoint, just went for another increase:

Card openend in Jan 2013 4k Limit --> 61 days 12k --> 6 Month 25k --> 6 Month (today) asked for 34000, was countered with 33400. No documents requested.

Use the card no to heavy, PIF all the time, have in the moment 1.5K balance (next statement in 2 weeks). All scores are 730-750. My AAoA ist under 2 years (only have my SSN since 3/2012)

Doing of course a happy dance

[RushXTC]

Just asked for $10,500 yesterday... I know I won't get it, But any increase would do me good.

I started at $2,000 and I asked for $6,000 they FR'd me and told me $3,500 was max. So I definitely won't get $10,500.... Even if my last payment was $500 lol

[SunriseEarth]

MyFico/Other Handle: SunriseEarth
Initial CL: $1,500
61 day/181 day CLI: (please indicate whether 61day/181day also) 61
Amex Utilization @ CLI: 7% 
Overall Utilization @ Last EX Soft Pull: 6%
Ratio of Income/(Overall Available Credit) (4 decimal places): 2.3333
Number of new credit lines opened since opening Amex account or last Amex CLI: 2
Total $$ value of all transactions since Amex account opening or last Amex CLI: $1200

Approved for $4,500 total CL.

[vpae]

I was approved for my last 3x CLI on 11/4/13. According to the date/time calculator, today is 181 days. Does the first day that I was approved count? or is today really 180 and I should wait til tomorrow? (Anxious!)

I'm also at 18K already and can't imagine they would approve me for 54K. I'm thinking about trying for 40K, or 35K based on what I've read here to be.. safe?

I know it's ultimately up to me if I want to sumbit tax docs. But maybe they could counter me at 40K/35K instead of an instant denial or 7-10 day msg?

Any suggestions if you were in my shoes?

<edit>

I asked for $35K total ($17K CLI), countered with $100 CLI. I declined. See more here:

http://ficoforums.myfico.com/t5/Credit-Cards/0-005x-Amex-CLI/td-p/3071832