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AMEX CLI

Frequent Contributor

Re: AMEX CLI

I was planning to do a CLI on both Smiley Sad Does anybody know in general, what the second CLI should consist of after the first 3X CLI that AMEX usually grants?

 

@ youngandcreditwrthy: How far are you from the 61 day mark? Let us know how it goes.

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Message 11 of 24
Highlighted
Senior Contributor

Re: AMEX CLI

Well I opened the Amex BCE on a restless night lol (Oct 1st). I'll prob wait til mid Dec. to req a CLI to $10,350 lol. I fig. that's an ideal time given than ime, creditors do seem more generous around the holidays; gotta get that gdp growth up!!! Lol

I def. will let everyone on here know!!! I love to give people info on credit :-) so important to American life!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 12 of 24
Frequent Contributor

Re: AMEX CLI


youngandcreditwrthy wrote:
Well I opened the Amex BCE on a restless night lol (Oct 1st). I'll prob wait til mid Dec. to req a CLI to $10,350 lol. I fig. that's an ideal time given than ime, creditors do seem more generous around the holidays; gotta get that gdp growth up!!! Lol

I def. will let everyone on here know!!! I love to give people info on credit :-) so important to American life!

+ 1 to both statements Smiley Happy

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Message 13 of 24
Frequent Contributor

Re: AMEX CLI

Does anyone know if it's better to have two similar limits ie (2) cards @ $7,500 or (1) card @ $6,000 and the other @ $9,000. Is there a difference on how lenders evaluate this? Thanks

Full on Garden Mode (•‿•)
Message 14 of 24
Senior Contributor

Re: AMEX CLI

I'd say having a limit of $9k would be more important for setting precedent for lenders trusting you with higher limits in general... your creditors could start to get competitive and see who can give you the highest..... now for util purposes, it really wouldn't matter LOL :-P

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 15 of 24
New Visitor

Re: AMEX CLI

I've had the Costco card for over a year and a half, started with 4200 limit,  months later, 4800, 6 months 9600, and now as of today 12,000. Make numerous payments throughout the month and have paid quite, util is always under 25%, I love the rewards that we get with this card and Amex is a great company to deal with. 

Message 16 of 24
Regular Contributor

Re: AMEX CLI

Guys, I got approved for Amex Detla for $1000 just a couple of weeks ago. I was wondering if my score is supposed to improved a bit in order to get approved for a second Amex in January next year or a 3X CLI?

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 17 of 24
Valued Contributor

Re: AMEX CLI


cowboyguy wrote:

Guys, I got approved for Amex Detla for $1000 just a couple of weeks ago. I was wondering if my score is supposed to improved a bit in order to get approved for a second Amex in January next year or a 3X CLI?


Yes

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 18 of 24
Senior Contributor

Re: AMEX CLI

Idk... My 3xcli was approved with about the same score....
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 24
Valued Contributor

Re: AMEX CLI


Cdnewmanpac wrote:

My understanding is that Amex will grant 1 CLI per member every 6 months, not per card. I believe  you will be declined for your second request. Regardless of amount. 


This. Ask for the one you use the most first.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 20 of 24