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Balance or no, for Amex 61 day CLI?

Established Member

Balance or no, for Amex 61 day CLI?

I opened a Blue Sky in October (10K), and a BCP in November (5K, the Amex computer must have penalized me for opening the Blue Sky).  I will have 2 61 day CLI opportunities soon.  Am thinking I'd like a higher limit on the BCP, but will take what I can get.  What should the balance be pre CLI attempt?  Zero?  Let the full balance post, pay, then try the CLI?  Tactics, anyone?

Chase Freedom(5.3K), Citi Double Cash (8.8K). Citi Thank You Preferred(10.2K) DCU Platinum Rewards(10K), REI Visa(9.6K) Amex Blue Sky(5K), Amex Blue Cash Preferred (20K), Crate & Barrel (3.5K) Discover IT(16.5K) CSP (28K)
Message 1 of 8
7 REPLIES
Established Contributor

Re: Balance or no, for Amex 61 day CLI?

I would suggest reading the AMEX 3x CLI tread, plus you can only request a CLI one card at a time if memory serves me correct.  GL by the way today, I just went from $7,000 to $21,000 with 544 balance on my BCE.  

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Discover $10,000, Chase Freedom $5,000, Capital One $3,750, Barclay $8,500 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $10,000, Ashley's Furniture $6,000, Lowe's $7,500 (AU), Express Next $3,360, and Macy's Store Card (Joint Account) $2,000.

Last Application March 25, 2014. Score ranges 700+
Message 2 of 8
Established Contributor

Re: Balance or no, for Amex 61 day CLI?

If I had to choose I would request it on the BCP since that limit is a lot lower than your other one.  

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Discover $10,000, Chase Freedom $5,000, Capital One $3,750, Barclay $8,500 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $10,000, Ashley's Furniture $6,000, Lowe's $7,500 (AU), Express Next $3,360, and Macy's Store Card (Joint Account) $2,000.

Last Application March 25, 2014. Score ranges 700+
Message 3 of 8
Frequent Contributor

Re: Balance or no, for Amex 61 day CLI?

With both accounts opened only weeks apart I think you'll only be allowed to do the 60 CLI on one of the card. If you try it on both I think the second request well be denied. I could be wrong though.

My experience, high usage, low reported utilization (prepay before reporting) worked.
NFCU Cash Rewards | CSP | WalMart MC | Target Red Visa | Citi Costco | AMEX BCE
Message 4 of 8
New Contributor

Re: Balance or no, for Amex 61 day CLI?

I didn't get quite the full 3x while carrying a balance. I think it was $850/$5,500.

All FICO scores as of 9.1.14: Exp 744, Eq 745, TU 764
Goal: 800+ across the board
Message 5 of 8
Established Contributor

Re: Balance or no, for Amex 61 day CLI?

I let both of my statements cut with a balance and then PIF. My BCP had a zero balance when I did my CLI last week.

Message 6 of 8
Valued Contributor

Re: Balance or no, for Amex 61 day CLI?


cyclesport45 wrote:

I opened a Blue Sky in October (10K), and a BCP in November (5K, the Amex computer must have penalized me for opening the Blue Sky).  I will have 2 61 day CLI opportunities soon.  Am thinking I'd like a higher limit on the BCP, but will take what I can get.  What should the balance be pre CLI attempt?  Zero?  Let the full balance post, pay, then try the CLI?  Tactics, anyone?


My BCE went from $10.5K to $20K with $0 reporting. I PIF just before the 61-day date. $20K is what I asked for, BTW.

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Message 7 of 8
Moderator Emerita

Re: Balance or no, for Amex 61 day CLI?


JediNeo wrote:
With both accounts opened only weeks apart I think you'll only be allowed to do the 60 CLI on one of the card. If you try it on both I think the second request well be denied. I could be wrong though.

My experience, high usage, low reported utilization (prepay before reporting) worked.

It doesn't matter how long the accounts have been opened; you can only have 1 CLI per account in 180 days. 

Message 8 of 8