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amex cli

Valued Contributor

amex cli

I asked for my first CLI from Amex, on my BCP.  They list me as member since 07 (on a previous card, now trying to backdate to 1986).  They asked me to fill out a 4506-T.  How usual is that?  I read stuff here about auto-CLIs etc, so this seems annoying!  I asked to go from 25K to 35K, so nothing like 3x after 61 days, this is 40% after 5+ years.

15 REPLIES
Established Contributor

Re: amex cli

Had you read the archives a bit more, you would see that auto CLI is only to 25k. They routinely ask for documentation on any CLI above 25k. Most people on this forum start below that amount, so the difference isn't discussed that much, but there are multiple confirmations of this in the archives.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Valued Contributor

Re: amex cli

Oh, OK, thanks

Valued Contributor

Re: amex cli

Anything after $25,000 triggers FR. Do you even need to have a CL of $35,000?

Valued Contributor

Re: amex cli


trumpet-205 wrote:

Anything after $25,000 triggers FR. Do you even need to have a CL of $35,000?


 

It depends what you mean by "need"!  I am closing some cards with AFs and want to keep approx the same total credit line.  Let's see what happens.  My credit reports are all clean

Established Contributor

Re: amex cli


Cdnewmanpac wrote:

Had you read the archives a bit more, you would see that auto CLI is only to 25k. They routinely ask for documentation on any CLI above 25k. Most people on this forum start below that amount, so the difference isn't discussed that much, but there are multiple confirmations of this in the archives.


this =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Epic Contributor

Re: amex cli

Well did you get approved for the $35k?

Valued Contributor

Re: amex cli


Creditaddict wrote:

Well did you get approved for the $35k?


Just got the mail requiring the form.  Will let you know when I hear.

Established Contributor

Re: amex cli

what's the income you filed when you got 25k?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor

Re: amex cli


distantarray wrote:

what's the income you filed when you got 25k?


That was a few years back so not quite sure, around $150-170K