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Go Amex! Finally, a little luv

Established Contributor

Go Amex! Finally, a little luv

So I've had the American Express Blue Cash card w/ a $4K CL for exacly 1 year this month. Never got any luv. Tried once in the past and was quickly declined.


Today I decided to pull the trigger and ask for an increase via the automated phone system. The computer said it could take requests up to $25K. Since I never had any luck with increasing the line on this card, I figured I wouldn't push my luck. I asked for a total credit line of $12K. Entered my annual income and seconds later was approved for a total CL of $12K!! Best part is, no hard pull on my Experian report! Go Amex!


Question: What would happen if I called and told them I meant to ask for $25K?? Who thinks I should do this? Majority will make my decision..............


Uncle Money

Message 1 of 10
9 REPLIES
Frequent Contributor

Re: Go Amex! Finally, a little luv

i would be prepared for a financial review if you requested that much

amazon
Message 2 of 10
Valued Contributor

Re: Go Amex! Finally, a little luv

be happy with what u gotSmiley Surprised

Message 3 of 10
Established Contributor

Re: Go Amex! Finally, a little luv

LOL... 0 out of 2 so far ............

Message 4 of 10
Established Contributor

Re: Go Amex! Finally, a little luv

Isnt 3X your current CL the norm and maybe highest?

Message 5 of 10
Epic Contributor

Re: Go Amex! Finally, a little luv

yes 3x your current CL every 6 months is max increase at a time. you could open another account though... but I would do it Jan. 1!

Message 6 of 10
Valued Contributor

Re: Go Amex! Finally, a little luv


tsquad131 wrote:

i would be prepared for a financial review if you requested that much


I'd say he's fine.  3x CL for CLI request is commonly accepted practice with Amex.

Message 7 of 10
Super Contributor

Re: Go Amex! Finally, a little luv

I would wait 6 months and ask for next increase.

Message 8 of 10
Frequent Contributor

Re: Go Amex! Finally, a little luv

You made me laugh so damn hardSmiley Very Happy   Damn that was funny, BUTTTTT, you would be a candidate for a FR.


5/30/15 EQ 596; TU 605; EX 580.
12/18/17 EQ 646; TU 660; EX 674
Message 9 of 10
Valued Contributor

Re: Go Amex! Finally, a little luv


concorduser wrote:

I would wait 6 months and ask for next increase.


+1

 

Congrats on the Awesome CLI!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Message 10 of 10