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Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

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.

Established Contributor
Posts: 766
Registered: ‎01-16-2012
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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
Posts: 1,673
Registered: ‎11-11-2012
0

Re: amex cli

Oh, OK, thanks

Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
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Re: amex cli

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

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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
Posts: 2,112
Registered: ‎09-25-2011
0

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
Posts: 29,083
Registered: ‎10-23-2007
0

Re: amex cli

Well did you get approved for the $35k?

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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
Posts: 2,112
Registered: ‎09-25-2011
0

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
Posts: 1,673
Registered: ‎11-11-2012
0

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

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