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Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Amex 3xcli with balance?

Who, here, has gotten a 3xcli or any cli for that matter...with a balance on their Amex?

I'll prob have a $1500-2,000 balance on my BCE by the time June rolls around for my six month 3xcli. I started revolving a balance in January. it's at 0%, so I fig'd wth! lol Planning to request $24.5k. It will 100% be paid off by August and back to pif on a monthly basis. I just hope Amex isn't punitive esp when they are offering me 0%. I'm just never in a hurry to pay off a 0% promo, ya know?
Current limit is $10.5k.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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Senior Contributor
Posts: 4,442
Registered: ‎11-13-2012
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Re: Amex 3xcli with balance?

@ young
I am more worried if your income supports this CL in combination with what you already have? speaking of risk of FR :smileysad:
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FICO® EQ 797 (as of today) - TU 773 (03/28) - EX 781 (04/03).. ¦ ..Fako EX 770 (04/03 - CS)
Vantage score 3.0 TU 770 - EQ 793 (CK 04/03).. ¦ ..AAoA 3yrs9mts.. ¦ ..INQ EQ (2) TU (5) EX (2)


Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Amex 3xcli with balance?

I just made an $800 payment on it today lol...
I have the income and low expenses.
15 of my cards never get used except to keep them from getting closed lol...
I charged a $1.07 on JCP with a $6500 cl the other day haha :-P
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
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Re: Amex 3xcli with balance?

VERY unlikely that you will see a CLI while you are revolving a balance w/Amex.  It's well known they're skittish around balance carriers.

TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Amex 3xcli with balance?

Do you have any experience though? That's what I was asking...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
0

Re: Amex 3xcli with balance?

Not me, I won't carry a balance even on my 0% cards.  I read a thread earlier by another user where he stated his wife's Amex has never gotten a CLI and she revolves a balance.  Then I went to go dig that one up for you but I saw that it was actually you he was responding to so I won't bother linking it since you already got the scoop :smileylol:

TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Frequent Contributor
Posts: 359
Registered: ‎11-25-2012
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Re: Amex 3xcli with balance?

Obviously YMMV, but they approved my 3x CLI when I had a balance on my card.  I had maybe a $5-600 balance when I requested the 61-day increase from $2k to $6k.  Approved no sweat.  I hope they aren't wary of balance carriers, because I'm revolving a balance (~$1k) to take advantage of the 0% interest period.  The way I figure, why offer that to cardmembers as an incentive, and then knock us for using it responsibly (~30% or less util)?


Building the perfect card portfolio, one app at a time.
Available credit: $65k+
INQs: 1 TU, 3 EX, 0 EQ
Planned apps: NONE! Gardening indefinitely! - Seedling 4/15/15 :smileysad:
Established Contributor
Posts: 677
Registered: ‎09-12-2011
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Re: Amex 3xcli with balance?


youngandcreditwrthy wrote:
Who, here, has gotten a 3xcli or any cli for that matter...with a balance on their Amex?

I'll prob have a $1500-2,000 balance on my BCE by the time June rolls around for my six month 3xcli. I started revolving a balance in January. it's at 0%, so I fig'd wth! lol Planning to request $24.5k. It will 100% be paid off by August and back to pif on a monthly basis. I just hope Amex isn't punitive esp when they are offering me 0%. I'm just never in a hurry to pay off a 0% promo, ya know?
Current limit is $10.5k.

I had to look back at my Optima statement from last May to get my answer to your question, and my answer is:  Yes, I had a balance of $411 when my statement cut on May 20, 2012.  Five days later (May 25th), I requested my first ever CLI on my Optima card and since I was such a scaredy cat, I didn't ask for the full 3x.  My CL was $4100 at the time and I asked for an increase to $9600 (an increase of $5500) and it was approved instantly online.  And also on that same day, I app'd for the BCE and got approved for $4,000 starting limit.  Amex gave me lots of love that day!

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Amex 3xcli with balance?

Heck yeah!!! Okay, okay.. There are people out their getting approved!
See.. That's what Im thinking why would I get lured into a 0% offer then get punished for it?! And I def won't over utilize it! Lol

I did say that post earlier today lol a FICO in the 760s and no Amex luv?!

I genuinely thank you guys for the info! These data points make a difference!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
0

Re: Amex 3xcli with balance?

Now time to get that balance paid down some!  Looks like the people who are revolving balances have them in the hundreds rather than thousands.  Give yourself the best chance at a CLI while still taking advantage of the 0%!

TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
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