The Definitive Amex 3X CLI Guide

[kroberts67]

The 13th is my 61x. Is there a certain time of day I have to wait?

[09Lexie]

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@kroberts67 wrote:

The 13th is my 61x. Is there a certain time of day I have to wait?

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No, just remember they are on MST. 

[H4LO]

Denied 3X CLI after 61 day and now 90 day after that.  

Looks like I'll have to wait some more. 

Low Util on all my cards, only thing new is new accounts. 

[kroberts67]

Whoooopie!  3x approved! This was orig a Delta, I PC'ed to BCE about 2 weeks ago.

MyFico/Other Handle:  kroberts67
Initial CL:  1500
61 day/181 day CLI: 61x
Amex Utilization @ CLI:  51% (PIF pre statement cut both months so far, next statement date 3/27).
Overall Utilization @ Last EX Soft Pull:  No SP's ever - only orig HP on 1/11/14. Uncertain on UT but somewhere in 20's.
Ratio of Income/(Overall Available Credit) (4 decimal places): Income 64k, CL 36,450 pre CLI (sorry but the way you want it displayed is over my peabrain)
Number of new credit lines opened since opening Amex account or last Amex CLI: 0 (no new TL but 1 INQ from my CU on EX)
Total $$ value of all transactions since Amex account opening or last Amex CLI: $1818

[QueenBeeOC]

MyFico/Other Handle: QueenBeeOC
Initial CL:  $1k
61 day/181 day CLI: (please indicate whether 61day/181day also)  61-day Yes - got $3K total CLI now! 
Amex Utilization @ CLI: Payed my current balance in full a couple hours before requesting the CLI
Overall Utilization @ Last EX Soft Pull: Not exactly, but prob over 50% - Wanted to get in cause last SP by Amex was in Feb per EX
Number of new credit lines opened since opening Amex account or last Amex CLI: 3 new credit cards (Chase Southwest and 2 Comenity Store Cards) A few new IQ because we were car shopping but decided not to pull the trigger on a new car.

[QueenBeeOC]

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@QueenBeeOC wrote:

MyFico/Other Handle: QueenBeeOC
Initial CL:  $1k
61 day/181 day CLI: (please indicate whether 61day/181day also)  61-day Yes - got $3K total CLI now! 
@Anonymous Utilization @ CLI: Payed my current balance in full a couple hours before requesting the CLI
@Overall Utilization @ Last EX Soft Pull: Not exactly, but prob over 50% - Wanted to get in cause last SP by Amex was in Feb per EX
Number of new credit lines opened since opening Amex account or last Amex CLI: 3 new credit cards (Chase Southwest and 2 Comenity Store Cards) A few new IQ because we were car shopping but decided not to pull the trigger on a new car.

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Oh and Total $$ value of all transactions since Amex account opening or last Amex CLI: I think I've put like $1300 give or take on the card in two months We love our Costco and grocery stores

[12njoy]

I'm back with a question on the 3x cli guide.  I was denied last week upon my 6 month anniversary and I get why.  What I don't understand, and I'm hoping someone here can help me, is why Amex is allowing me to charge $35,000 on the PRG.  I just checked my spending abiity and it said this card is approved to spend $35,000.  I realize I can't carry a balance on the PRG, but a default is a default.  Strange indeed.  Now that I have added additional lines since my denial, I'm probably going to forgo the 90 day request and wait 6 months.

[nycyclone9]

Quick question, the answer to which I couldn't glean from a review of the sticky and a quick persual of this thread: to maximize odds of 3x CLI after 60 days, should I be paying off my balance before or after my statement closing date?

[09Lexie]

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@nycyclone9 wrote:

Quick question, the answer to which I couldn't glean from a review of the sticky and a quick persual of this thread: to maximize odds of 3x CLI after 60 days, should I be paying off my balance before or after my statement closing date?

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Since Amex can see your payment history, it shouldn't matter. 

[ZoomZoom22]

Update on my own 3x stuff.  I posted before that Amex had raised my limit on thier own above the $25k threshold.

I was sitting at $28.8k and wanted more and they sent me the tax form which I did not fill out and send in.

I then hit the 3xCLI again at the mark and they gave me the 7-10 day letter and sent me the form again.  I still declined to fill it out and send it in.

They just upped my limit to $33.8k with no form and unexpected.  I just got an email that said congrats Amex has decided to up my limit etc.  Thought I would share.