12-11-2009 12:42 PM
I know some of you will probably think I'm crazy, but I asked American Express for a CLI on my Blue Cash card today and got it! Background: Applied for card Dec 2008 and received $2500 credit limit. Asked at 3 months for a CLI after being told over the phone that was when I could apply, but was denied because it really had to be 6 months. Then asked again online at 6 months but was denied because I had been denied too recently. Recently I started seeing pre-approvals online for other AMEX cards, so I figured if that was the case they should approve an increase on my existing card. I called in today and was told that if I had asked for an increase within the past 6 months I wouldn't be eligible, but that she would be able to look that up. Told me I was eligible, and could ask for a maximum 3 times increase and that it would be a soft pull. I asked for $7500 and got it!
Wouldn't normally be surprised since my other cards are much higher than that, but since it's AMEX and since everyone on earth is being a pain right now, I'm really happy. My scores are somewhere around 740, no derogs, and I use the card as heavily as I can with that tiny credit limit, and always pay statement balance in full. Really excited that I can start getting some actual use out of the card this year, and surpass the $6500 mark to get those higher rewards faster.
12-11-2009 01:03 PM
Mank and Lexa,
Did they ask any other questions when you requested the CLI? I have an AMEX Blue since March 2008 (CL $4,400) and I have never asked for any increase so i would like to be prepared for any questions they would ask when I call.
Thanks for your help!
12-11-2009 01:13 PM
12-11-2009 01:16 PM
12-11-2009 02:49 PM - edited 12-11-2009 02:50 PM
I'm very happy! I just called and asked for a CLI on my AMEX Blue. My CL was $4,400 and now it is $12,000! It was all automated and I didn't need to talk to a real person.
12-14-2009 12:23 PM
12-14-2009 12:37 PM
Is there a button online or do you have to call now?
Yes, there's a button online but it's hardly visible. Upon logging in one would have to do a site search to find it
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.