Amex BCP 61 Day CLI Approved

[BamCat]

Just thought I'd share my Amex BCP 61 day CLI experience:  I activated my card on 10/19/12 (58 days ago), but I figured I'd give it a try because some people have written that the 61 days starts on the approval date. 

I was initially approved for $10,000.  I charged about $1,100 during the first billing period and paid in full.  I charged about $1,500 during my second billing period and paid in full right after the statement closing date (in preparation for requesting the CLI).  I used the automated telephone menu, requested a CL of $30,000, entered my income, and was approved in about 10 seconds!  I thought that requesting over $25,000 might present a problem, but it didn't.

[lecorps4fun]

Congrats!  What does your credit/income profile look like?

[kevinjjc]

Congrats, nicely done!

[hardworkrebuilding]

That's funny. I was initiallly approved for $5K. Didin't know about the 61 day CLI until I started lurking in this forum. So, a couple of weeks ago I CLI'd online for the BCE I'd had for 8 months,  but only requested 2X's. My income supports more, but I didn't want to come across as greedy or needy (I have a card with a 23K limit). Guess I really shot myself in the foot with that one. How long before I can CLI request again? Does annyone have info about Amex CLI's after the first 61 day+ request?

[Cageym]

It's 6 months per CLI after the first one.

[greenpang]

Lame, I did the same thing! I was originally given a 4k limit and didn't know about the 3x policy when I called for a CLI. They asked how much I wanted, I said "whatever you're willing to give me" (haha), and the guy said I had to specify a number... He used "8000" as an example, so I said "sure" without thinking and got instantly approved for 8k rather than my original 4k... I soon realized I could have gotten 12k and called again, but they said it's too soon for another increase. Probably something like six months.

[BamCat]

---

@lecorps4fun wrote:

Congrats!  What does your credit/income profile look like?

---

I don't post here often, so please excuse my ignorance.  I'm not exactly sure what a credit/income profile is, but I'll answer based on what I think it is.  I now have three credit cards (Visa, MC, and Amex), and with this CLI, my total available credit is about $64,000.  My income is about $95,000.  Is that my credit/income profile?

[hardworkrebuilding]

---

@Cageym wrote:
It's 6 months per CLI after the first one.

---

Any suggestions on amount? Does the 3X's amount still apply? Or would 2X's be acceptable again providing income supports the limit?

[bichonmom]

Congrats! Most people say the threshold is $25k, but maybe extenuating circumstances or a change in their policy. Credit profile means your FICO score, any baddies, your AAoA (average age of accts), other CCs, utilization %, etc. it helps others to know how they might do when we can compare our credit stats to someone who was successful. 

[bichonmom]

---

@hardworkrebuilding wrote:

---

@Cageym wrote:
It's 6 months per CLI after the first one.

---

Any suggestions on amount? Does the 3X's amount still apply? Or would 2X's be acceptable again providing income supports the limit?

---

You can request a CLI every 6 months for up to 3x current limit. usually the max without having to provide income verification, etc. is $25k.