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Amex BCP 61 Day CLI Approved

Member

Amex BCP 61 Day CLI Approved

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.

Message 1 of 11
10 REPLIES
Valued Member

Re: Amex BCP 61 Day CLI Approved

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




Message 2 of 11
Valued Contributor

Re: Amex BCP 61 Day CLI Approved

Congrats, nicely done!

Message 3 of 11
Regular Contributor

Re: Amex BCP 61 Day CLI Approved

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?

FICO 750+ on each CRA - 6 cards for a total CL of $222,900
Gardening since 9/11/2016 for a goal of 2 years
Message 4 of 11
Established Contributor

Re: Amex BCP 61 Day CLI Approved

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

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 5 of 11
Contributor

Re: Amex BCP 61 Day CLI Approved

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.

Credit Scores: FICOs: TU 721 | Plus FAKOs: EX 726, EQ 739, TU 735 | CK FAKOs: Transrisk 689, Vantage 790
My Wallet: Amex Green (NPSL) | Amex SPG (21.6K) | Citi ThankYou Preferred (10.5K) | Amex BCE (8K) | US Air Premier MC (9.5K) | Chase Sapphire Preferred (8.5K) | Chase Freedom (5K) | Barclays Arrival (5K) | Pier 1 (2.5K) | Express (0.8K) | Kohl's (0.5K)
DH's Wallet (AU): Amex PRG (NPSL) | Chase Sapphire Preferred (26.2K) | Amex Delta (22.5K) | Barclays Arrival (12.8K) | CareCredit (8K) | Amex BCE (7.5K) | Chase Freedom (7K) | Sears Citi (6K) | Victoria's Secret (1K)
Message 6 of 11
Member

Re: Amex BCP 61 Day CLI Approved


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?

Message 7 of 11
Regular Contributor

Re: Amex BCP 61 Day CLI Approved


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?

FICO 750+ on each CRA - 6 cards for a total CL of $222,900
Gardening since 9/11/2016 for a goal of 2 years
Message 8 of 11
Senior Contributor

Re: Amex BCP 61 Day CLI Approved

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. 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 9 of 11
Senior Contributor

Re: Amex BCP 61 Day CLI Approved


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.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 10 of 11