Credit Cards

[jamesdwi]

Long term its better if you don't increase it, once you hit $25k you can no longer use the automated system for CLI's, take what have now, wait 6 months perhaps a year then you can request an increase to 30k, and it should be increased and that will be your final automated CLI, if you get the 25k you are done. 

[bribro]

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jamesdwi wrote:

Long term its better if you don't increase it, once you hit $25k you can no longer use the automated system for CLI's, take what have now, wait 6 months perhaps a year then you can request an increase to 30k, and it should be increased and that will be your final automated CLI, if you get the 25k you are done. 

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Thanks for the response. I was under the impression that $25k was the max for automated CLIs; I didn't realize you could go over that as long as you started under.

Say in 6 months to a year from now I put in an auto CLI request to $30k or even go balls out with $67.5k, and get accepted, will that raise a red flag/trigger a FR?

[SpiceIslander]

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CruzImperial wrote:
Only 2k here with the bcp

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Exactly the same here. BCP is the only AMEX card I have.

[android01]

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bribro wrote:

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jamesdwi wrote:

Long term its better if you don't increase it, once you hit $25k you can no longer use the automated system for CLI's, take what have now, wait 6 months perhaps a year then you can request an increase to 30k, and it should be increased and that will be your final automated CLI, if you get the 25k you are done. 

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Thanks for the response. I was under the impression that $25k was the max for automated CLIs; I didn't realize you could go over that as long as you started under.

Say in 6 months to a year from now I put in an auto CLI request to $30k or even go balls out with $67.5k, and get accepted, will that raise a red flag/trigger a FR?

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My AMEX Delta card originally had a 25K limit, and my AMEX Costco had 7.8K.  The last time I asked for a CLI on the Costco card, I received a letter that if I wanted an increase, I would have to go through a F/R with the 4506-T if I wanted an increase.  I declined (I'm intellectually adverse to AMEX F/R policy), so I transferred 5K from my Delta card to the costco card for a limit ot 12.8K.  I haven't asked for a CLI since, and have not received any automatic CLI's.  

[tmbr10]

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android01 wrote:

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bribro wrote:

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jamesdwi wrote:

Long term its better if you don't increase it, once you hit $25k you can no longer use the automated system for CLI's, take what have now, wait 6 months perhaps a year then you can request an increase to 30k, and it should be increased and that will be your final automated CLI, if you get the 25k you are done. 

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Thanks for the response. I was under the impression that $25k was the max for automated CLIs; I didn't realize you could go over that as long as you started under.

Say in 6 months to a year from now I put in an auto CLI request to $30k or even go balls out with $67.5k, and get accepted, will that raise a red flag/trigger a FR?

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My AMEX Delta card originally had a 25K limit, and my AMEX Costco had 7.8K.  The last time I asked for a CLI on the Costco card, I received a letter that if I wanted an increase, I would have to go through a F/R with the 4506-T if I wanted an increase.  I declined (I'm intellectually adverse to AMEX F/R policy), so I transferred 5K from my Delta card to the costco card for a limit ot 12.8K.  I haven't asked for a CLI since, and have not received any automatic CLI's.  

Android, sounds like I may be

[CK_Charles_Lover]

21.5K 

[charyot77]

I was just approved for a (regular) AMEX Blue about 2 weeks ago for $3k.  

Seeing as that is a pretty healthy starting limt I wonder if I should have gone for the BCE instead.

[jamesdwi]

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charyot77 wrote:

I was just approved for a (regular) AMEX Blue about 2 weeks ago for $3k.  

Seeing as that is a pretty healthy starting limt I wonder if I should have gone for the BCE instead.

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you can call and ask for a product change to the BCE, there are a few people on this board that have done it with no issues, in fact I plan on doing it after I have had the blue for a year, just like earning MRE pts for now. 

[Brian_Trying_700]

$500 auto pay

[Creditaddict]

1 Personal Charge, 1 Business Charge, 3 Personal Revolvers and 2 Business Revover total not including NPSL was $86.5k up till about 2008-9 and that's when the slashes started happening on any accounts Amex could find available limits available... lots of threads back then... it happened so fast!