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Amex credit limit increase

New Member

Re: Amex credit limit increase

Forgive me, but what is this button? where can I find it?

 

thanks

Message 11 of 19
Valued Member

Re: Amex credit limit increase

I wonder the same thing, I guess I will just call them up. 

Message 12 of 19
Established Contributor

Re: Amex credit limit increase

I don't have a button, per se, but there is a place on line that says "manage you limit." It will allow you to request a cli there.



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Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Message 13 of 19
Established Member

Re: Amex credit limit increase

There are 2 areas where you "can" find a link for amex CLI.

 

A) On the Recent Activity Page, there will possibly be a link on the left side, under the last activity item.

B) Under Profiles & Preferences -> See More Options -> Account Management -> Manage Credit Limit -> Increase Your Credit Limit.

 

Note that neither of these will always show up, or maybe only one will, or both.  So saying that you do not see these can still be correct.

Message 14 of 19
Frequent Contributor

Re: Amex credit limit increase


waralpha wrote:

There are 2 areas where you "can" find a link for amex CLI.

 

A) On the Recent Activity Page, there will possibly be a link on the left side, under the last activity item.

B) Under Profiles & Preferences -> See More Options -> Account Management -> Manage Credit Limit -> Increase Your Credit Limit.

 

Note that neither of these will always show up, or maybe only one will, or both.  So saying that you do not see these can still be correct.


Yep.  I didn't see them for months, after getting my first AmEx. 

 

However; (per the AmEx help section on the website); you should still have the option to call the # on the back of the card, to request the CLI.

 

My first CLI with AmEx, was by calling the # on the back of the card. I never even talked to a person. I just dealt with the automated system over the phone. 

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

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Message 15 of 19
Regular Contributor

Re: Amex credit limit increase

I was able to find the button at the bottom of the "Recent Activity" page.  My question however is... for the people who have submitted for a CLI, is it a soft pull still or were there any hard pulls noticed as of recent?

 

Thanks!


EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
Current Score: EQ: 748 (12/22/11) -- TU: 726 (1/7/10) -- TU04: 701 (1/27/10) -- EX: 747 (1/27/10) (LO)
Goal Score: EQ: 760


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Message 16 of 19
Regular Contributor

Re: Amex credit limit increase

Decided to pull the trigger anyway.  Instantly approved $7,500 > $15,000 in seconds.  No issues whatsoever.  Even if there is a hard pull, still worth it. 


EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
Current Score: EQ: 748 (12/22/11) -- TU: 726 (1/7/10) -- TU04: 701 (1/27/10) -- EX: 747 (1/27/10) (LO)
Goal Score: EQ: 760


Take the FICO Fitness Challenge
Message 17 of 19
Valued Contributor

Re: Amex credit limit increase

 


+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's some funny stuff...I would imagine Amex will close your account if a person you described was in that situation. Haha.

Message 18 of 19
Regular Contributor

Re: Amex credit limit increase

Did it end up being a "hard pull"?

Message 19 of 19