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5 figure CLI Amex 61 days CLI?

Frequent Contributor

Re: 5 figure CLI Amex 61 days CLI?

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! Smiley Happy

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 11 of 16
Established Contributor

Re: 5 figure CLI Amex 61 days CLI?

Nice @ jd

Message 12 of 16
Valued Contributor

Re: 5 figure CLI Amex 61 days CLI?


jd5189 wrote:

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! Smiley Happy


Such a random limit, they must have some crazy internal risk systems. I like my limits staying rounded. I'd be on the phone trying to get them to give me an $800 CLI to get up to the $20k mark. 19.2 just way to random..haha

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 13 of 16
New Contributor

Re: 5 figure CLI Amex 61 days CLI?


jd5189 wrote:

I had requested a CLI at my 61 day mark of $22,500 from $7,500 initial CL equalling a total CLI request of $15,000. Amex countered with a total credit line of $19,200 equalling a total CLI $11,700 from my initial CL. No FR, just pure Amex bliss! Smiley Happy


I presume income changes how much CLI they are prepared to give. Do you mind sharing what your stated income was?

 

I got a fairly generous CL on my BCP given that my income is not that high, and I'm a little worried about asking for a 61 day CLI because then my CL-to-income ratio would be pretty high and they might sniff out a FR lol.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $19.7k (10/12), Chase Amazon $4.8k (10/12), Citi Forward $7.5k (11/12), Chase Southwest RR Premier $8k (3/13), Discover it $4.3k (11/13), Citi Double Cash $18k (PC'd 9/16 from AA Executive 7/15), Chase CSR $12.2k (9/16)
Message 14 of 16
Frequent Contributor

Re: 5 figure CLI Amex 61 days CLI?

Stated income was around 75k.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 15 of 16
New Contributor

Re: 5 figure CLI Amex 61 days CLI?


jd5189 wrote:

Stated income was around 75k.


Hmmm. My income isn't as much as that which makes me a little uneasy about asking for a CLI.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $19.7k (10/12), Chase Amazon $4.8k (10/12), Citi Forward $7.5k (11/12), Chase Southwest RR Premier $8k (3/13), Discover it $4.3k (11/13), Citi Double Cash $18k (PC'd 9/16 from AA Executive 7/15), Chase CSR $12.2k (9/16)
Message 16 of 16