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Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
0

Amex Auto CLI

I think I received an auto CLI on my SPG.  My previous CL was $25K.  I noticed today that my current balance plus pending charges when measured against my available credit adds up to $27K.  I've read several threads saying that Amex doesn't give auto CLIs, so here's one data point going the other way.  I can confirm when my next statement issues listing my credit limit (or if someone tells me where you can find your CL online, I can't seem to locate it on the website).


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Frequent Contributor
Posts: 472
Registered: ‎03-29-2011
0

Re: Amex Auto CLI

The easiest way to check your credit limit is what you have already identified, (current balance plus pending charges and payments). If you have two Amex credit cards you can also go to the tool for transfering credit line from one revolver to another. It's on the bottom of the recent activity page. Once you select the card that you want to transfer the limit from the tool will show you the current limit on that card. You don't have to complete the request to see the limit.

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Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Amex Auto CLI

I have heard of Amex giving auto cli. But if you are getting them, you aren't taking full advantage of their cli policy most likely
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Valued Contributor
Posts: 1,829
Registered: ‎03-11-2009
0

Re: Amex Auto CLI

Yesterday I noticed that I have a "increase your credit line" showing on my account, however, my six months won't be until Aug. 7th.  Why would they post that ahead of time?

FICO 08
TU 840 8/27/16
EX 802 8/27/16
EQ 816 827/16
(NASA 30K) ( Amex 34.1k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Amex Auto CLI

Just cause luv button/line shows doesn't mean your eligible. Resist temptation until you are.
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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Amex Auto CLI

@imhotrodcrazy

Did you already ask for your 61 day CLI from amex?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 1,013
Registered: ‎05-14-2008
0

Re: Amex Auto CLI

[ Edited ]

OhioCPA wrote:

The easiest way to check your credit limit is what you have already identified, (current balance plus pending charges and payments). If you have two Amex credit cards you can also go to the tool for transfering credit line from one revolver to another. It's on the bottom of the recent activity page. Once you select the card that you want to transfer the limit from the tool will show you the current limit on that card. You don't have to complete the request to see the limit.


You only have this tool if you are eligible to transfer CL from one card to another.  I have $39.5k limit on one card and $25k on another revolver but have never had the option to transfer line from one to another.  I think AMEX figures I'm at the upper end of what they like to see as max limits on these particular cards (Original Platinum Optima and SPG).  I've also never had a button to ask for more CL, I think they figure I don't need it when they look at what my spending pattern has been over the last 32 years of being an AMEX cardholder, and my spending is now trending down as I don't buy as much as I used to.   Everybody's situation is different.

Valued Contributor
Posts: 1,829
Registered: ‎03-11-2009
0

Re: Amex Auto CLI


Crashem wrote:
Just cause luv button/line shows doesn't mean your eligible. Resist temptation until you are.


You're right, good advice

FICO 08
TU 840 8/27/16
EX 802 8/27/16
EQ 816 827/16
(NASA 30K) ( Amex 34.1k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Valued Contributor
Posts: 1,829
Registered: ‎03-11-2009
0

Re: Amex Auto CLI


webhopper wrote:
@imhotrodcrazy

Did you already ask for your 61 day CLI from amex?

Yes I have, on Feb. 7th.  So I better not try until at least Aug. 7th.  I am at 13K right now.  Not sure if I will try for 20K or the full 25K in Aug.  I am leaning toward the 20K at the moment, even that sounds like a lot after  having the card for only 8 months.

FICO 08
TU 840 8/27/16
EX 802 8/27/16
EQ 816 827/16
(NASA 30K) ( Amex 34.1k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win
Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
0

Re: Amex Auto CLI

I have not been asking for CLI every 6 months bc didn't need more than 25K. But I'll take it if they're going to give it to me.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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