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American express cli advice

Regular Contributor

American express cli advice

Ok , so ive had the card since july and started with a 15000 limit. Since its christmas I want to use the card a bit(only 1500-2000)..I would like to request an increase to 20000 so Im good with the utilization. My 2 questions are:

 

1. does it matter if I apply through automated or online and which is easier to get or it doesnt matter

 

2. ALso  , Im afraid to try in case I get denied and then they decrease my limit since I felt the limit they gave me was ridiculous to begin with

 

Also one last thing , will they ask questions or try and get info for 20k limit?

 

thanks for the help

Message 1 of 15
14 REPLIES
Valued Contributor

Re: American express cli advice


lionsfan20 wrote:

Ok , so ive had the card since july and started with a 15000 limit. Since its christmas I want to use the card a bit(only 1500-2000)..I would like to request an increase to 20000 so Im good with the utilization. My 2 questions are:

 

1. does it matter if I apply through automated or online and which is easier to get or it doesnt matter

 

2. ALso  , Im afraid to try in case I get denied and then they decrease my limit since I felt the limit they gave me was ridiculous to begin with

 

Also one last thing , will they ask questions or try and get info for 20k limit?

 

thanks for the help


1. no

2. no, unless you give them a reason to (maxing out other account from other creditor, etc)

 

No, according to many people, you can go up to 25k without they needing tax docs. Basically if you are approved with 15k, wait 61 days (since you have from July, you should ask now), go for 25k.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 2 of 15
Regular Contributor

yRe: American express cli advice

my main fear is being denied and then they decreasing me but I dont know

Message 3 of 15
Regular Contributor

Re: yRe: American express cli advice

anyone else have experience with this?

Message 4 of 15
Valued Contributor

Re: yRe: American express cli advice

I just recently got my 3xCLI on my AMEX Delta card.  I was as nervous as could be with this as initial app was borderline (They pulled EQ and TU and had EX from my earlier Zync app).  Additionally, my last SP from them was 10/18 and I had high UTIL.  I went well beyond the 61st day waiting on them to SP me again.  They never did.  Finally I just bite the bullet and hit the online luv button.

 

Instant 3xCLI approval.  Went from 2k to 6k.  I had ran a pretty good bit through this card (about 4k in the 2+ months that I had it)  I also ran a very large amount through my Zync card (above 7k) and had paid it all off before hitting the CLI button.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 15
Epic Contributor

Re: yRe: American express cli advice

You started with $15k, I would not worry about it and I would for sure NOT waste your chance to go from $15 to $25k.... not 3x current but if you don't want to push it, don't push for over $25k but otherwise I would not worry at all!

They counter if they won't approve full amount...

Message 6 of 15
Regular Contributor

Re: yRe: American express cli advice

I know and thats why I want to do it but my main concern is that I really dont make any money..Im a student and so thats why I dont know how I got the 15k.Im just scared they will fr me and me not being able to show I make much

Message 7 of 15
Valued Contributor

Re: American express cli advice

Did you lie about income?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 15
Regular Contributor

Re: American express cli advice

I didnt lie but I put I only make 20k..which is why I was suprised I got 15k..so Im trying to figuire out why they would give me 20k limit with 20k income lol.

Message 9 of 15
Valued Contributor

Re: American express cli advice

You sir are one lucky $0&! Lol. If i was you i would leave it at that and dont ask for more.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 10 of 15