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Does AMEX counter denied 3X CLI?

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-NewGuy-
Moderator Emeritus

Does AMEX counter denied 3X CLI?

Just curious. For example, if you have a 3k limit and request 3x on day 61 and they arent willing to give you 9k, could they counter offer five? How would that work online, they would email? I would imagine this to be especially true for people who have high starting limits. After all going from 2 to 6 seems easier to get than going from 12k to 36k, for example
Message 1 of 11
10 REPLIES 10
myjourney
Super Contributor

Re: Does AMEX counter denied 3X CLI?

Sometimes they counter sometimes they don't ....sorry

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 11
Kenny
Moderator Emeritus

Re: Does AMEX counter denied 3X CLI?

Yes they can... I asked for 15 and got 9.5k so yep.
Message 3 of 11
-NewGuy-
Moderator Emeritus

Re: Does AMEX counter denied 3X CLI?

If you do it online how do they counter? Is it best over the phone?
Message 4 of 11
myjourney
Super Contributor

Re: Does AMEX counter denied 3X CLI?


@msf12555 wrote:
If you do it online how do they counter? Is it best over the phone?

Online a screen will pop up and ask will you accept

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 11
-NewGuy-
Moderator Emeritus

Re: Does AMEX counter denied 3X CLI?

So it prompts you for an amount, you enter and submit, and the site thinks and either approves, denies, or counters right on the spot?
Message 6 of 11
Creditaddict
Legendary Contributor

Re: Does AMEX counter denied 3X CLI?


@msf12555 wrote:
So it prompts you for an amount, you enter and submit, and the site thinks and either approves, denies, or counters right on the spot?

Yes, that's why it makes no sense not to ask for full 3x current cl!

 

Message 7 of 11
myjourney
Super Contributor

Re: Does AMEX counter denied 3X CLI?


@msf12555 wrote:
So it prompts you for an amount, you enter and submit, and the site thinks and either approves, denies, or counters right on the spot?

For the most part yes 

There have been times you get the 7-10 day message only to get a approval later via email hours llater other times it's a denial 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 11
clocktick
Valued Contributor

Re: Does AMEX counter denied 3X CLI?

I did this just this week. 

 

Started off at $5000 on my BCP.  After a few months I requested 3x online and got the $15k.

 

 A couple of days ago I requested online $32,000 and it countered with $24,100 and I had to press ACCEPT to accept their counter.  Decline I think is a 7-10 day message, instant approval is, well, instant, and counter is described as above. 

 

Good luck!

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Current Score: 736
Goal Score: 765


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Message 9 of 11
colinstu
Regular Contributor

Re: Does AMEX counter denied 3X CLI?

My BCE had a 2k CL. I asked for 2K CLI, was countered with 1.2K... I quickly accepted! I wonder what would've happened if I asked for 4K CLI... counter with the same 1.2K? Or countered with the same 60% of what I asked for (2.4K in this case)? Never know...! 

 

Do they always counter? I don't know. 

FICOs: TU 775 | EQ 784 | EX 773
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 10 of 11
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