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It's been a long time since I've requested a CLI on Amex. What is the best way to request it? Online? By phone? I can't find a love button online; all I am seeing is the "check spending ability" link. Is that it?
It's a SP, right? I have a freeze on my CRs, except for EX which I just lifted for today. Will that get me a HP?
Will they counter w/ a lower CL if I'm not approved for the entire amount?
Any tips or sugggestions?
Thanks!
Online is the best way. It's under credit management. You can request up to 3x.
When you go to Account Services, Credit Management, do you not see an "Increase Line Of Credit" link?
Thanks! I found it.
I don't even remember how long it has been, but the last one I got was a SP and they did counter.
Does the 3x CLI work even if you have a fairly high SL, like 10K?
@mccallb wrote:Does the 3x CLI work even if you have a fairly high SL, like 10K?
Yes it works in that you can request a 3X CLI but there is no guarantee that you'll get $30K or any increase.
@Anonymous wrote:
@mccallb wrote:Does the 3x CLI work even if you have a fairly high SL, like 10K?
Yes it works in that you can request a 3X CLI but there is no guarantee that you'll get $30K or any increase.
Anecdotally, it used to also be that requesting a limit above $25K would lead to a greater chance that they would ask for income verification. I haven't been active on the boards in quite a while, so maybe that is not the case anymore. Even when people did report that, it was not a guarantee that they would request it. I have a higher CL on my Amex SPG and I never had to provide income verification. But a lot of people reported being asked when requesting above $25K.
@Walt_K wrote:
@Anonymous wrote:
@mccallb wrote:Does the 3x CLI work even if you have a fairly high SL, like 10K?
Yes it works in that you can request a 3X CLI but there is no guarantee that you'll get $30K or any increase.
Anecdotally, it used to also be that requesting a limit above $25K would lead to a greater chance that they would ask for income verification. I haven't been active on the boards in quite a while, so maybe that is not the case anymore. Even when people did report that, it was not a guarantee that they would request it. I have a higher CL on my Amex SPG and I never had to provide income verification. But a lot of people reported being asked when requesting above $25K.
It's still asked for at times but we see a lot of people getting limits above $25K without ever being asked for the 4506-T