American Express 3xcli before 61 days

TheFate · ‎07-10-2015

Can someone confirm you no longer have to wait the 61 days to request the 3xCLI on new accounts?

I don't want to blow my chances..has anyone not received the full 3xcli going this route?

Anonymous · ‎07-10-2015

I received a 7-10 day message...$5,000 SL and 15.24% rate on Everyday Card...1st csrd with AMEX and I should have waited.

TRC_WA · ‎07-10-2015

$5k AmEx Delta instant approval in December 2014...

... no luck with any type of CLI. They cite my 6+ year old BK13 that is falling off my reports in a few months as the reason.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎07-10-2015

@TheFate wrote:
Can someone confirm you no longer have to wait the 61 days to request the 3xCLI on new accounts?

I don't want to blow my chances..has anyone not received the full 3xcli going this route?

17.99 on ED 0 for 15 5k (biggest card at the time was 2k), got it in may, requested 3x cli at activation, denied. then got delta gold 15.24% apr few days ago, requested 3x cli at activation, denied.

many other folks have done it and got it before 60 days. Then there are the folks that say its better to wait. I would say if you are hesitant, dont. If you have good aaoa low inqs and decent scores, go for it. or if your starting limit is way low compared to other cards.

Anonymous · ‎07-10-2015

I waited the full 61 days and got it. Now ready to hit that button again on the 12th for another 3xcli bringing me to 18k.

MT936 · ‎07-10-2015

Wait the 61 days it will work

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Anonymous · ‎07-10-2015

The 61 days is meaningless anymore. If your credit profile supports it then you can try. There is no guarantee that you will be approved now ior after 61 days because that amount of time is completely meaningless now. The worst that happens is you get denied and have to wait 90 days to try again.

Anonymous · ‎07-10-2015

I tried at activation and was denied. Had to wait 90 (actually waited 91) days from denial, then I was approved for the 3x CLI. It is my first Amex card. If it's your first card with them, I would just recommend waiting the 61 days to show usage and payment history. I know others have been approved in less than 61 days, but with my situation I wish I would have waited the full 61 days. It took a month to receive my card (first one never showed up, so they had to cancel and send another) so in reality I ended having to wait over 120 days for my first 3x CLI. I can't help but think had I just waited the 61 days to begin with, I may have gotten it sooner.

TheFate · ‎07-10-2015

So it's 61 days starting once activated of card or approval?

Anonymous · ‎07-10-2015

It was from approval for me.