The Definitive Amex 3X CLI Guide

[jigglypuff]

just got 3x CLI to 18,000!!

[keithbward]

Just read the guide and was browsing through some posts here in this thread. Can you only request one 3xCLI after the 61 day period if you have more than one card? Got approvals for the BCE and the Everyday card within 4 days of each other. If I request the increase on the BCE then I would have to wait 181 days before I can request an increase on any of my cards? Is that correct?

[kroberts67]

MyFico/Other Handle:  kroberts67
Initial CL:  1500 --> 4500 --> 13500
61 day/181 day CLI: 181x
Amex Utilization @ CLI:  2% (Have always PIF)
Overall Utilization @ Last EX Soft Pull:  6-8%
Ratio of Income/(Overall Available Credit) (4 decimal places): Income 68k, CL 81k
Number of new credit lines opened since opening Amex account or last Amex CLI: 1 car refi, 1 pers loan, 4 cc: Sallie Mae, Care Credit, Slate, Freedom
Total $$ value of all transactions since Amex account opening or last Amex CLI: $3509

So, next time (181x) I need to ask for only 25k, not 3x.  Correct?

[Ysettle4]

My 61st day is coming up on the 22nd. I've been looking to stack up on metal/graphite cards. On my list in the Union Bank graphite AMEX card. Will applying for this card before I attempt the 3X CLI hurt my chances of getting the 3X CLI?

[09Lexie]

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@keithbward wrote:

Just read the guide and was browsing through some posts here in this thread. Can you only request one 3xCLI after the 61 day period if you have more than one card? Got approvals for the BCE and the Everyday card within 4 days of each other. If I request the increase on the BCE then I would have to wait 181 days before I can request an increase on any of my cards? Is that correct?

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It's one CLI per account; account being defined as all accounts in which you are the primary.  Choose wisely. 

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[09Lexie]

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@kroberts67 wrote:

MyFico/Other Handle:  kroberts67
Initial CL:  1500 --> 4500 --> 13500
61 day/181 day CLI: 181x
@Anonymous Utilization @ CLI:  2% (Have always PIF)
@Overall Utilization @ Last EX Soft Pull:  6-8%
Ratio of Income/(Overall Available Credit) (4 decimal places): Income 68k, CL 81k
Number of new credit lines opened since opening Amex account or last Amex CLI: 1 car refi, 1 pers loan, 4 cc: Sallie Mae, Care Credit, Slate, Freedom
Total $$ value of all transactions since Amex account opening or last Amex CLI: $3509

So, next time (181x) I need to ask for only 25k, not 3x.  Correct?

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You can ask for 3x; ymmv on approval

[09Lexie]

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@Ysettle4 wrote:

My 61st day is coming up on the 22nd. I've been looking to stack up on metal/graphite cards. On my list in the Union Bank graphite AMEX card. Will applying for this card before I attempt the 3X CLI hurt my chances of getting the 3X CLI?

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Unless you have to app now, it's always best to keep your profile clear of new TLs 

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[kroberts67]

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@09Lexie wrote:

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@kroberts67 wrote:

MyFico/Other Handle:  kroberts67
Initial CL:  1500 --> 4500 --> 13500
61 day/181 day CLI: 181x
@Anonymous Utilization @ CLI:  2% (Have always PIF)
@Overall Utilization @ Last EX Soft Pull:  6-8%
Ratio of Income/(Overall Available Credit) (4 decimal places): Income 68k, CL 81k
Number of new credit lines opened since opening Amex account or last Amex CLI: 1 car refi, 1 pers loan, 4 cc: Sallie Mae, Care Credit, Slate, Freedom
Total $$ value of all transactions since Amex account opening or last Amex CLI: $3509

So, next time (181x) I need to ask for only 25k, not 3x.  Correct?

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You can ask for 3x; ymmv on approval

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And is AMEX in the habit of countering with less if they don't go all the way to 3x, or declining?  

[09Lexie]

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@kroberts67 wrote:

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@09Lexie wrote:

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@kroberts67 wrote:

MyFico/Other Handle:  kroberts67
Initial CL:  1500 --> 4500 --> 13500
61 day/181 day CLI: 181x
@Anonymous Utilization @ CLI:  2% (Have always PIF)
@Overall Utilization @ Last EX Soft Pull:  6-8%
Ratio of Income/(Overall Available Credit) (4 decimal places): Income 68k, CL 81k
Number of new credit lines opened since opening Amex account or last Amex CLI: 1 car refi, 1 pers loan, 4 cc: Sallie Mae, Care Credit, Slate, Freedom
Total $$ value of all transactions since Amex account opening or last Amex CLI: $3509

So, next time (181x) I need to ask for only 25k, not 3x.  Correct?

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You can ask for 3x; ymmv on approval

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And is AMEX in the habit of countering with less if they don't go all the way to 3x, or declining?  

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They will counter

[nitrov]

Are there any stats on whether or not the 4506T becomes more likely if you do or don't have a mortgage or some secured term debt? I would assume if you have a large mortgage from fairly recently they know that obtaining one/maintaining one requires significant income with detailed verification. 

Also, how do new card requests affect the 6 month CLI rule? I have a PRG, just got a BCE with a $5,500 limit which I'll be apping for a CLI on in November, so I'm just thinking whether or not I should app for a 3rd card after I get the 3x CLI to help my AAoA or if I should just leave it alone. Thoughts?