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Member
rganancial
Posts: 6
Registered: ‎03-19-2014
0

AMEX CLI Question

Hello, everyone!

 

My current CL on me BCP card is $1k. Come 61 days, can I only request $3k as per the 3x rule? Or can I see if they can bump me up to $5k since I had such a low CL to begin with?

 

Thanks!

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Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012
0

Re: AMEX CLI Question

3k is the max you can ask for. If approved, you can request 9k six months from point of approval. If denied, you can try again in 90 days


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
Senior Contributor
yudeology101
Posts: 4,643
Registered: ‎06-21-2012
0

Re: AMEX CLI Question


Jayb5635 wrote:
3k is the max you can ask for. If approved, you can request 9k six months from point of approval. If denied, you can try again in 90 days

+1

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
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Member
rganancial
Posts: 6
Registered: ‎03-19-2014
0

Re: AMEX CLI Question

Alright, thank you guys for the quick response!

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Frequent Contributor
Shock
Posts: 455
Registered: ‎08-07-2013
0

Re: AMEX CLI Question

This raises a great question as I would rather not make a new thread.

 

My 61st day is tomorrow. 

 

I basically have 2 negative accounts set to go positive by the end of the year. There were a plethora of reasons why I should have gotten denied for my BCE, but I know my internal score was probably good with them. I just paid off my statement balance in full and have less than 30 bucks until the next statement cuts. 

 

What are my shots at getting approved? I know it's the last SP on file, which will only show less than 10% utilization and no new accounts. Will they base it on credit report more or internal score? I know they use internal scoring more than most banks, but is this also true for CLI's?

 

What are the chances they will counter? I'm hoping for my first 5 digit credit limit! :smileyhappy:

Capital One VentureOne MC 4K | Chase Freedom VS 6.7K/Southwest VS 8K | Citi Diamond Preferred MC 4.2K | AMEX BCE 16.6K | BOA Travel Rewards VS 7.5K | Barclays Arrival+ WEMC 7.5K

Latest FICO: 5/10/14 | EX 744 EQ 695 | TU 718

Wayne Gretzsky: "You miss 100 percent of the shots you don't take"
Member
rganancial
Posts: 6
Registered: ‎03-19-2014
0

Re: AMEX CLI Question

Same boat and I would like to know, too, Shock!

 

I have a CO from 2012 and I probably should have been denied for my BCP as well.

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Established Contributor
kroberts67
Posts: 827
Registered: ‎03-04-2013
0

Re: AMEX CLI Question

Congrats SHOCK! I see you got your 5-digi!  :smileyhappy:



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

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