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Asking Amex for a cli after two months with BCP

Established Contributor

Asking Amex for a cli after two months with BCP

Hey guys, I'm back after a two month disappearance. I opened up my BCP card in July and they gave me an initial credit limit of 4,000.00. I had previously opened a green card account with them in Febraury. I pay every statement on time and in full for both cards. Should I request a 3X cli upto 12,000.00 right now since over 60 days have passed? Or wait? What's the best way of going about this?

 

Thanks for the advice guys!

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 1 of 12
11 REPLIES
Established Contributor

Re: Asking Amex for a cli after two months with BCP

Thoughts? Any advice is appreciated!

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 2 of 12
Valued Member

Re: Asking Amex for a cli after two months with BCP


espnjunkie wrote:

Thoughts? Any advice is appreciated!


I am new with Amex BCP and waiting till the time as you now. But I heard from this forum that you should try to 3x CLI. It depends on income and good credit history payment history also to get approval . I also know that if you did not get totally 3x CLI you may get counter offer ... just let do it Smiley Very Happy Smiley Very Happy 

Please update your result 

Message 3 of 12
Regular Contributor

Re: Asking Amex for a cli after two months with BCP

What is your current utilization with Amex cards? Do you know when they last softed you and your overall utilization and or scores at that timeframe? The 3x CLI will be based on the last soft they did on experian, so nothing to lose with the request as such.

 

Message 4 of 12
Valued Contributor

Re: Asking Amex for a cli after two months with BCP

Do you have the income to justified $12,000?

Message 5 of 12
Established Contributor

Re: Asking Amex for a cli after two months with BCP

Wow, that was really easy. Just got approved for a 3X CLI from 4,000.00 to 12,000.00 just by requesting it. Approved instantly.

 

Considering a year ago I had no credit history, and now I have a 12,000.00 tradeline and a NPSL Amex Green (plus starter Capital One card...but mehhh haha only used when Amex is not accepted) I am feeling pretty good. This line should really help me get approved in the future if I want any additional cards.

 

Conclusion: 3X Amex cli after two months works, just request it

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 6 of 12
Established Contributor

Re: Asking Amex for a cli after two months with BCP

Now not to get greedy, because that is definitely plenty of credit for my needs, but when can I next request a CLI on my BCP from Amex? Six months? Year?

 

Have no plans to request more credit, but is good to know for future purposes.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 7 of 12
Frequent Contributor

Re: Asking Amex for a cli after two months with BCP

After 6 months ask for another 3x CLI Smiley Happy

Message 8 of 12
Valued Member

Re: Asking Amex for a cli after two months with BCP

@espnjunkie
What is range of your income?

Message 9 of 12
Established Contributor

Re: Asking Amex for a cli after two months with BCP

I don't think AMEX lets you go over a 25,000.00 credit limit without having a damn good reason haha. At age 23 and with a solid, but not insane, income I doubt that they will be giving me a 25,000.00 limit in six months...

 

but then again I never really saw them giving me the increase to 12,000.00 and they instantly did, no questions asked...and if you add up my internal limit on Amex Green, which I know is over 10,000.00, and the BCP limit it has to be around or more than 25,000.00 which seems excessive. Apparently they trust me haha. I do pay in full right away for everything once they say "please pay".

 

So in six months I'll probably request a CLI to 25,000 for the hell of it. If they deny, they deny haha. Only a soft pull I believe.

 

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 10 of 12