The button finally showed up. My limit is 7k, and I'd like a card with 10k. I don't need it though.
Is it worth clicking the button just to see? Or might I possibly trigger the dreaded financial review by clicking it?
Starting Score: 703
AmEx FR is so arbitrary that anything could trigger it - even not clicking that button lol I've read about people triggering it from charging $5 at a supermarket, etc. I think when a simple reuest like a CLI causes worry for such an invasive measure, it's time to look for other card products 
Nah I love the card.
I'd just rather avoid the hassle.
Try it, no one can tell you for sure but I hope it doesn't trigger it :/ If it does trigger FR, then it should be no problem handing over all of the requested info in order to retain the card you love. Good luck.
I've never had one.
It may have just showed up because the card is nearly 6 months old.
Where is the button? I'm interested in seeing if I can get an increase on my Hilton HHonors card. The 6 month mark is coming up in a week, but it's a new card, and I thought you only had to wait 60 days or 3 months or something along those lines for your first increase. Is this rule different for new cards for existing cardmembers? Or does it even apply anymore?
I don't see the button anywhere unless I go into the preferences tab and click manage limits. I'm assuming that the button you're talking about is on the main summary of accounts page.
I'm happy with the limit, but I've got like 4 cards all stuck at $6000, and I think if I can get AMEX to double it, some others may increase as well. I'm specifically thinking of Discover, who has always auto-CLId me to match or exceed my highest limit in the past. Discover is my main spending card, and the increase would actually help there, but I don't think they do customer initiated CLIs without a hard pull anymore.
So that was semi-long and rambling. Thanks anyway.
@Odiseous wrote:
@thrasher865 wrote:Where is the button? I'm interested in seeing if I can get an increase on my Hilton HHonors card. The 6 month mark is coming up in a week, but it's a new card, and I thought you only had to wait 60 days or 3 months or something along those lines for your first increase. Is this rule different for new cards for existing cardmembers? Or does it even apply anymore?
I don't see the button anywhere unless I go into the preferences tab and click manage limits. I'm assuming that the button you're talking about is on the main summary of accounts page.
I'm happy with the limit, but I've got like 4 cards all stuck at $6000, and I think if I can get AMEX to double it, some others may increase as well. I'm specifically thinking of Discover, who has always auto-CLId me to match or exceed my highest limit in the past. Discover is my main spending card, and the increase would actually help there, but I don't think they do customer initiated CLIs without a hard pull anymore.
So that was semi-long and rambling. Thanks anyway.
The way that I understand it; is that it still applies for existing cardmembers. But it also applies to *all* of your AmEx cards. Aside from the 60 day rule after you get a card; AmEx's rule is 1 CLI in 6 months, for *any* of your cards.
For example: I have 2 AmEx. 1) The original Blue Cash, 2) The Mercedes AmEx.
The last CLI I got on my AmEx Bluecash is going to hit the 6 month mark on Oct 27, eligible for CLI on Oct 28.
The 60 day mark for my Mercedes Amex comes up on Oct 23. Based on the 60 day rule for new cards; I'd be eligible for CLI on Oct 24.
Since my Mercedes Amex is eligible for CLI on Oct 24; you'd think that I could click the button, and get the CLI, right?
The answer is 'no'. Because I would still be within the 6 month period, from the last Blue Cash CLI.
So, I will have to wait until Oct 28; then choose which of the 2 cards I want the CLI on.
+1
As to the FR question, I do not think that asking for a CLI is going to trigger FR. There are countless people requesting CLIs all the time. If I had to guess, FR is triggered by a complete review of many factors. So if you have borderline credit, just barely got in the door with Amex, have recently added 5 other new accounts to your CR, paid your legal fees for your divorce on your Amex, made a run at the casinos followed by some time at the strip club, and then capped off the night with a late night shopping binge at Walmart, be careful asking for a CLI. Otherwise, I doubt you'll have a problem.
That description fits my last Wednesday night perfectly. Good thing it was all on Discover.