Amex 61 day 3x question

[bobbay]

I am just nervous about requesting $30k.  Should I be?  I have added alot of credit in the past year.($3k to 60k)  Delta 10k instant, PRG&TE one month later.  The Delta will be 61 days on april 16.  Score is 699 and util is 4% and I don't want to open a can of worms by obtaining too much credit in short period.  Anyone have any thoughts?  Am I over thinking this?

[fungoman]

my DW was just approved from 10k to 30k instantly. But there was no new credit added to her CR in the 60 days since opening the account.

[bobbay]

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@fungoman wrote:

my DW was just approved from 10k to 30k instantly. But there was no new credit added to her CR in the 60 days since opening the account.

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Thanks!

Debating $20k or full $30k.  I really dont see a need for more than 10k but would not want to max out a card by putting 7 or 8k on it.

[takeshi74]

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@bobbay wrote:

I am just nervous about requesting $30k.  Should I be?

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No idea.  Have you read the 3x CLI thread?  It states that over $25K tends to lead to a 4506-T but the specific number seems to vary based on anecdotal evidence provided in various threads.  If you're not concerned about the 4506-T (just supplied one myself for a CLI and didn't find it to be a big deal but YMMV) then ask away and they'll counter if they think $30K is too high.

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@bobbay wrote:
Debating $20k or full $30k.  I really dont see a need for more than 10k but would not want to max out a card by putting 7 or 8k on it.

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Definitely consider your utilization and not just what you need for spend.

[bobbay]

I have read it.  I know it is a possibility and that many have had instant approvals as stated above with no request for the 4506.  i have no problem with the 4506 just not a big fan of giving info like that unless i have to.  My big concern is raising a red flag that causes AA since Amex will now be my main card company from here on out.

[BigBS]

Just my experience so YMMV, but I haven't had an issue with CLI.  Never stuck to the 61-day plan as I was ill-informed by not being a member.  For my last CLI I actually did 3 requests, the first for $50k which gave me the 7-10 message which I called about and was told I would need to fill out the 4506-T.  While I was on the phone with the CSR I cancelled that request and put in a 2nd for $40k and same thing.  Was told it brought the same reponse, but generally values under $35k were not subject to the 4506-T.  I then cancelled the 2nd request and put in a 3rd for $34.5k and got an instant approval.  All this was about 2 months ago, so I won't do anything until August for my Gold Delta SkyMiles card.