Credit Card Center Advertiser Disclosure

Posts: 103
Registered: ‎06-05-2009
0 Kudos

The 3x CL "Rule"

I've seen a few members mention calling in for a CLI at the 61 day mark and the 6month mark. Whats not clear to me is if this is only an AMEX thing? Is this available on Chase, NFCU or any other card vendors?

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $10,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000,Barclays Arrival World MC $3,000,Amazon Prime Card $3,500
Established Contributor
Posts: 731
Registered: ‎02-15-2012
0 Kudos

Re: The 3x CL "Rule"

It's an Amex thing.  Each lender has their own CLI policies; I don't know any other lender with a similar CLI policy to Amex.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Established Contributor
Posts: 921
Registered: ‎12-10-2011
0 Kudos

Re: The 3x CL "Rule"


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge

Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0 Kudos

Re: The 3x CL "Rule"

Yeah it is an Amex thing.  The 3X is generous but by no means guaranteed.  Really just depends.  Amex can be stingy on initial CL with first AMEX revolver.  For example, I was given 8k on first Amex revolver even though most of my CLs were 15-25k.  Then 2nd AMEX revolver which was applied for 2 months later was granted 15k starting CL.  The 3X rule works well when they are stingy on that initial CL.  If Amex is generous with starting CL, doubt you will see 3X CLI granted in 61 days.  However, it is not so much the 3X rule that makes it special but that it works in conjunction with their other CLI policies.  1) They will counter offer if they don't like the 3X 2) It is a soft pull on credit so no harm in trying


However others can be just as generous.  Was helping friend with credit.  After getting his score up, his CLI request to Chase brought his card from 400 to 5000 for over a 10X CLI increase.

Established Member
Posts: 26
Registered: ‎07-23-2012
0 Kudos

Re: The 3x CL "Rule"

I recently found out about this 3x CL rule as well. I applied for it on my 4th closing date on my Amex Blue card and was instantly approved from $2,000 to $6,000. So I would say that it works as long as your records are clean. For the record I paid each of my balances in full, so maybe that helps?

Capital One Platinum - $5,000 \ Care Credit - $10,000 \ American Express Blue Card - $18,000 \ Chase Sapphire Preferred - $6,000 \ Discover More - $3,000

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 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.