Amex 3x CLI Triggered 4506-T - No More CLI's??

[kromix]

I was routinely requesting 3x CLI across my 3 Amex Cards and the last one (about 2 months ago) triggered a 4506-T request. I ignored the request and all is well, account is still good, not a FR, just a 4506-T.

My Question is, once 4506-T's due to a CLI is it safe to assume any future CLI's will always result in this request or if I wait a while I can request again (maybe on another card) and get the CLI without another 4506-T request?

Thanks!

[Anonymous]

What's your current limit and what were you asking for? Traditionally, Amex only requests a 4506-T if the increase will take you above $25k for one card or $35k across all cards.

If you have (or will have) $35k or more in available credit from Amex, they will request the form.

[myjourney]

Once triggered no more CLI's until you complete the 4506T

[aav]

I've managed to get 37k In total exposure without actually having to complete the form but I'm pretty sure that's it for me... Though I'll try again. Any time I got the form request I went back and requested a lower amount.

[red259]

---

@aav wrote:
I've managed to get 37k In total exposure without actually having to complete the form but I'm pretty sure that's it for me... Though I'll try again. Any time I got the form request I went back and requested a lower amount.

---

I have 33k in personal available credit with amex along with a charge account. Counting my business credit with amex I have 43k available credit across 3 revolvers. 

[kromix]

Here is my AMEX Portfolio:

Amex Gold Card - (Charge Card)

Amex Blue - $17,200

Amex HHonors - $11,700

Total: $28,900

I seem to be under that threshold, maybe thats just what my internal trigger is?

[red259]

---

@kromix wrote:

Here is my AMEX Portfolio:

Amex Gold Card - (Charge Card)

Amex Blue - $17,200

Amex HHonors - $11,700

Total: $28,900

I seem to be under that threshold, maybe thats just what my internal trigger is?

---

Yes, different people have different thresholds I believe. Probably based on a combination of income and history with amex. 

[FinStar]

---

@red259 wrote:

---

@kromix wrote:

Here is my AMEX Portfolio:

Amex Gold Card - (Charge Card)

Amex Blue - $17,200

Amex HHonors - $11,700

Total: $28,900

I seem to be under that threshold, maybe thats just what my internal trigger is?

---

Yes, different people have different thresholds I believe. Probably based on a combination of income and history with amex. 

---

That appears to be the case, at least in my experience.

OP - as myjourney mentioned above, until you provide the form, CLIs would likely be restricted (any requests for such will trigger it again)

[Anonymous]

I requested 30k yesterday and it asked for the form then I logged out and asked for 25k and it ask for the form so I looged out again and asked for 20k and it approved me.  I also have a bce with 12k on it 

[thelethargicage]

---

@kromix wrote:

I was routinely requesting 3x CLI across my 3 Amex Cards and the last one (about 2 months ago) triggered a 4506-T request. I ignored the request and all is well, account is still good, not a FR, just a 4506-T.

My Question is, once 4506-T's due to a CLI is it safe to assume any future CLI's will always result in this request or if I wait a while I can request again (maybe on another card) and get the CLI without another 4506-T request?

Thanks!

---

Try a lower amount. That's what my dad did (there's no way in hell I'm referring to him as my "DD"). He asked for $20K total CL, they requested the 4506-T, so he tried again right way (this time he went for $12K), and it was approved right away.