cancel
Showing results for 
Search instead for 
Did you mean: 

Amex 61 Day CLI Question?

New Contributor

Amex 61 Day CLI Question?

Question for the Experts:

 

Everyone says to call Amex 61 days after activation of their new credit card for your 3X CLI. Is this something that every card holder will get 100% of the time? Or will Amex counter with something less than 3X? I've heard this is also a SP (soft pull); could they deny you the increase due to opening multiple new accounts? I apped and was successful with (2) Amex cards, and (1) Chase card the past three weeks as well as CLI's on 3 of my cards which were SP's and auto CLI's.

 

Any help is appreciated.

 

Thanks!

01/11/13:
EQ Fico: 716 (from myfico)
TU Fico: 719 (from Walmart)
EX Fico: 719 (from myfico)

Chase Sapphire Pref. II AMEX Platinum II Amex PRG II Amex SPG II Citi AAdvantage II Barclays US Airways II Chase Freedom
5 REPLIES
Valued Contributor

Re: Amex 61 Day CLI Question?

no, its not an automatic approval, i was denied any increase after 61 days, They didn't like my  $1000 balance on my $6k CL. I want to get my UTL back down below 10% and try again near december. When more stuff falls off. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
New Contributor

Re: Amex 61 Day CLI Question?

So i'm wondering if my balance is PIF and at Zero at the time of CLI if it would be granted.....hmmm?

01/11/13:
EQ Fico: 716 (from myfico)
TU Fico: 719 (from Walmart)
EX Fico: 719 (from myfico)

Chase Sapphire Pref. II AMEX Platinum II Amex PRG II Amex SPG II Citi AAdvantage II Barclays US Airways II Chase Freedom
New Contributor

Re: Amex 61 Day CLI Question?

When you say balance, is it something that you carried over from month to month?  I have been PIF each month but have some charges on my account about 1k for 5K limit.  Do I need to pay in full regardless of when the next statement is?

Regular Contributor

Re: Amex 61 Day CLI Question?

I had about $500 on my BCE with a starting limit of 8K on my 61st day. I did not pay in full because I got 12 months 0% interest. I was approved for 19.5K and I asked for 20K and that's what they countered with. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Regular Contributor

Re: Amex 61 Day CLI Question?

I had about $600 balance on my AMEX BCP and called last night, my starting limit was $9k and I asked for $18k and was approved.   Most of the time I PIF my AMEX sometimes i carry a small balance.  My overall debt utilization is 15%.  I didnt ask for 3x, just 2x.   I applied for AMEX BCP in April, but did not call at 61 days cause i forgot and did it last night.   I havent applied for any credit since April. 

July 2017
FICO08 EX 808, TU 779, EQ 780
Inquiries Ex 1, TU 2, EQ 1