Credit Card Center Advertiser Disclosure

Reply
Frequent Contributor
Posts: 397
Registered: ‎01-04-2015

Re: Never saw this Amex credit line increase button and response before

It's on all my revolvers except for my Delta Platinum as it is my least used out of the other 4 revolvers (EDP, SPG, SPG Biz, Blue Business Plus).

 

AmEx Plat / Plat Biz / PRG / PRG Biz / Blue Biz Plus 2k / SPG 6k / SPG 1k (AU) / SPG 10k Biz / BCE 36.5k (AU) / EDP 2k / Delta Platinum 1k : Cap One QS WMC 23.25k : Other Discover IT 5.5k / Discover IT 9.3k (Joint) / Apple Barclay 2.25k / Amazon Store 6k / Citi Simplicity 4.5k / IHG 10k
Starting FICO® Scores: EQ 595, TU 625, EX 604 (01/14/15) w/ Total CL of $1300
FICO® Scores Now: EQ 688, TU 699, EX 695 (7/17/17) w/ Total CL of $119k+
Community Leader
Valued Contributor
Posts: 1,557
Registered: ‎11-19-2016
0 Kudos

Re: Never saw this Amex credit line increase button and response before

Thanks everyone for the replies.  AlexisMachine, congrats on that CLI!

 

OK, so the whole "30 day" thing is still kind of a mystery, but I think we can safely state some things.  It does seem to only be showing on cards that are decently utilized and it is merely a shortcut to the Account Services | Card ManagementIncrease Your Credit Limit screen.  (If I navigate to that screen the manual way, it still instantly pops up the same pending or 30 day language I showed with the screen capture on page 1 of this thread.)  It doesn't seem to override the "180 day rule."  Got my hopes up for what appears to just be an automatic feature added to the new site design when a revolver is being utilized.  Speaking of which, some of the redesign has been difficult to get used to for me.  It took me until yesterday to figure out how to see pending Membership Rewards points, which used to just show up in a mouse-over over your current points on any MR-earning card.


450k+ club. | FICO 08 [August 2017]: EQ 746 EX 735 TU 733 | Repeat garden bronze spade offender.
Frequent Contributor
Posts: 308
Registered: ‎04-29-2017

Re: Never saw this Amex credit line increase button and response before

It's why I have bookmarked the old account design login the new one gives me a headache to being a complete PITA to navigate.

FICO 08 Scores (06/29/17): TU 817, EQ 821, EX 822
FICO 08 Scores (08/01/17): TU 827, EQ 830, EX 833

Daily Drivers
AMEX Business Platinum: NPSL | AMEX BCE: $18,000 | Capital One QS: $17,000 | Walmart MC: $15,000 | Sam's Club MC: $15,000
Regular Contributor
Posts: 246
Registered: ‎07-19-2017

Re: Never saw this Amex credit line increase button and response before

[ Edited ]

K-in-Boston wrote:

I was just logging in to make sure that a payment went through on my SPG card and below Balance & Credit Details there was a big blue Increase Your Credit Limit button.  I have never seen this before and it doesn't show on my other revolvers.  I clicked on it just to see what would happen (I just got a $4500 CLI last week), and got the following message:

Our records indicate a request for a line of credit increase has already been submitted, and is currently being processed or that the line of credit on your account was increased within the last 30 days.  Your account is not eligible for a new request at this time.  Please call...

 

Has anyone else seen this?  When I clicked, it went straight to that message without asking me to fill in the usual "Increase Line of Credit to this amount:" and "Total Annual Income:" boxes. The 30 day language above has me puzzled.  Does this mean that if you're targeted for a CLI with this button that it bypasses the 180 day rule?  I know the usual policy hasn't changed because I tried for the CLI a few days early before getting one last week, and earlier this week I got the letter for that request in the mail that stated the 180 day policy. Screencaps below. (The button reversed to blue text on white when I clicked back.)

 


I log in the day you posted this to my ED account and it wasn't there for me. I log in today to check my account and the increase button was there just like yours. For me, when I click it asks how much I want the new CL to be and then my income. That wasn't there before for me and it's not there on the mobile version.



FICO 08 (Sep 2017): EX 657 / EQ 660 / TU 683 - Gardening until 04/30/18!
Member
Posts: 5
Registered: ‎03-26-2015

Re: Never saw this Amex credit line increase button and response before

Well I hit the button & it sent me to the credit increase page. I originally had $9000 & had got a &3000 auto increase so I didn't want full 36,000 but put in for 27,000 . Well I got the instant congratulations your approved for 27,000. Probably left some money but that give me some room for next time. 

Regular Contributor
Posts: 246
Registered: ‎07-19-2017

Re: Never saw this Amex credit line increase button and response before

[ Edited ]

It's tempting to try it!



FICO 08 (Sep 2017): EX 657 / EQ 660 / TU 683 - Gardening until 04/30/18!
Established Contributor
Posts: 711
Registered: ‎05-24-2015

Re: Never saw this Amex credit line increase button and response before

The main question is anyone getting a cli sooner then 181 days after the last successful one?

 

The people that have gotten a cli, how many days since the last cli? or since the last request?

~All Thanks to the education I received from MyFicoers~ | 100K CLUB 10/31/16 |

Fico Scores: | Amex EX 763 | Discover TU 763/EX 763 | Capital One 763 | Barclay TU 771 | Huntington EQ 749 | Citi EQ 758 | Sam's TU 763 | Amazon TU 763 | Chase TU 763(Update 5/28/17 Mowing the Lawn 1/6/17) | Goal 799
Established Member
Posts: 37
Registered: ‎08-04-2017

Re: Never saw this Amex credit line increase button and response before

-K-in-Boston

I actually will be posting about my experience with this topic shortly. (in the next day or so)

 

-PointsYoda

-PointsYoda
Regular Contributor
Posts: 149
Registered: ‎04-23-2013

Re: Never saw this Amex credit line increase button and response before

[ Edited ]

I've got this link on my BCE. It wasn't there yesterday for certain.

 

I received my CLI on 25 May. At the time, I requested 3x, but was only awarded a 2x increase to $4000. I'm tempted to push the button to see what it does in my case. It's only been 72 days since my CLI.

 

Edit: I hit the button. It took me to the CLI screen. I entered my info and requested 3x my current limit. I received the 7-10 day letter notice, followed by the call customer service email. I'm at 38% util right now (taking advantage of 0% intro APR and bought a computer. After receiving the email, I logged back in to find that the button is still there, and I am still at $4000 CL. I'll call them in the morning and report back what happens. I'm pretty certain they're going to tell me to wait 6 months from May.

Gardening as of: 23 JUL 2017 / FICO 8 (As of 14 Jul 2017): EQ: 663, TU: 723, EX: 680

Established Contributor
Posts: 971
Registered: ‎07-01-2016

Re: Never saw this Amex credit line increase button and response before


K-in-Boston wrote:

AverageJoesCredit wrote:
If anyone cares to add it to my Amex , ill gladly Hulk Smash for the good of all FicolandSmiley Wink

Have at it!


ACK!!! Wha?? OMG... I'd simply faint having that account for so many different reasons!!!!


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.