Reply
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread


crazysxycool wrote:

I was instantly approved on 11/14 for my BCE but I don't know when I activated the card.  Is there a way to find out?


Activation date doesn't matter, check out how to find the card created date in the first post of this thread. 


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread

[ Edited ]

So I decided to request an increase and here's what I got.  Should I contact them and ask if it was approved or just wait for the letter?  I opened the account on 11/19 so I should be eligible.  Has anyone else gotten this message?

AmexCLI


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Established Contributor
scenery_guy
Posts: 958
Registered: ‎07-24-2012
0

Re: The Definitive Amex 3X CLI Guide


scenery_guy wrote:

MustangSaluki wrote:

scenery_guy wrote:

Just got off the phone with AMEX CSR and I discussed general questions about CLI requests. 

For starters they track and consider requests for business cards separate from personal cards. That's big news for me as I have one personal card but two business cards. I was assured that I could request a CLI on my Delta Reserve end of next week (60 days from opening - and she gave me all of my anniversary dates as in the system) even though I had requested and received an increase on my personal Delta Platinum card 31 days ago. 

 

The only hardfast rule she offered was 60 days between increase requests. I asked about 6 months between requests that were granted and she referred back to 60 days between requests. I didn't want to press the issue so I will ask more next week or so when I call to request a CLI on my Delta Reserve. 


 

That is a great data point about the distinction between business and personal account CLIs. I will add verbiage to the OP reflecting your experience. If there are more folks who can corroborate this, it will add further validity.

 

However the CSR was definitely not correct about the 60 day window between CLI requests. You can try to do that, but chances are you will get a letter in the mail about being ineligible. Take the @askamex thread as a reference. These limits are hard coded in the system and sometimes CSR are unaware of it. Plenty of evidence based on experiences here and other places and my own experience as well.


Thanks but hold on your updating until "the money is in the bank" so to speak. I will post to the thread once I have made the call and have the CLI on the business card. 

Yes I had suspicions about the 60 day comment but I will bring this point up again when I CLI on the Reserve. I will also take one for the team and call to request a CLI on the card I was approved for CLI 31 days ago when I hit 60 days from that date. I could care a less about the increase and don't care if I am denied. No hard pulls so no loss. 

Keep up the great work MustangSaluki, you are building a great reference. 


I hit my 61 day window for my Delta Reserve for Business card. I started a CLI request online but received the 7 to 10 day response. I will either wait for the letter or get impatient and call to see what's going on tomorrow but it looks to not be separate for business and personal as the CSR informed me during my last call. Not really good news but at least I can plan for my next request. 

Contributor
charleeislegend
Posts: 103
Registered: ‎07-21-2012
0

Re: The Definitive Amex 3X CLI Guide

[ Edited ]

After being denied on the 61st day, i decided to ask for a cli again (its been 7 months since activation). Got instantly approved from $2500 to $7500 woo! :smileylol:

Credit Karma (TU) : 745 Discover FICO (TU): 770 Credit Sesame (EX): 735 myFICO (EQ) - 713
Amex Simplycash Business - $7000 Travelocity AMEX - $1400 Amex TrueEarnings - $7500 Chase Sapphire - $6000 Citi Forward Student - $5000 Discover IT Student - $1900
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: The Definitive Amex 3X CLI Guide


charleeislegend wrote:

After being denied on the 61st day, i decided to ask for a cli again (its been 7 months since activation). Got instantly approved from $2500 to $7500 woo! :smileylol:


That's wonderful -- congrats!!! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Contributor
charleeislegend
Posts: 103
Registered: ‎07-21-2012
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread

Thanks u! So stoked about the future of my young credit history!
Credit Karma (TU) : 745 Discover FICO (TU): 770 Credit Sesame (EX): 735 myFICO (EQ) - 713
Amex Simplycash Business - $7000 Travelocity AMEX - $1400 Amex TrueEarnings - $7500 Chase Sapphire - $6000 Citi Forward Student - $5000 Discover IT Student - $1900
Contributor
slippy84
Posts: 83
Registered: ‎12-24-2012
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread


slippy84 wrote:
So is the maximum you should request exactly $25k or is it $24999?

Any takers on this? I've done a ton of research and can't seem to nail down an exact answer. It sounds like the max you can request without getting a human involved is $25k exactly but some say that asking for $25k instead of $24999 can trigger a FR. Anyone found any truth to that?

US Bank Cash+ -- Chase Freedom -- Citi Dividend Platinum Select (in 45-day wait period for Dividend Mastercard World Elite:smileyhappy:) -- AMEX BCE
Established Contributor
scenery_guy
Posts: 958
Registered: ‎07-24-2012
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread

[ Edited ]

slippy84 wrote:

slippy84 wrote:
So is the maximum you should request exactly $25k or is it $24999?

Any takers on this? I've done a ton of research and can't seem to nail down an exact answer. It sounds like the max you can request without getting a human involved is $25k exactly but some say that asking for $25k instead of $24999 can trigger a FR. Anyone found any truth to that?


I believe it has to be in $100 increments so $24,900 or $25,000. 

Moderator
Revelate
Posts: 8,956
Registered: ‎12-30-2011
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread


scenery_guy wrote:

slippy84 wrote:

slippy84 wrote:
So is the maximum you should request exactly $25k or is it $24999?

Any takers on this? I've done a ton of research and can't seem to nail down an exact answer. It sounds like the max you can request without getting a human involved is $25k exactly but some say that asking for $25k instead of $24999 can trigger a FR. Anyone found any truth to that?


I believe it has to be in $100 increments so $24,900 or $25,000. 


AFAIK it's 25K inclusive.

 

We've had so many people ask for 25K previously I simply assume we would know if Amex was triggering FR's on that request.  I suppose if you were cautious like me and worried about it, simply asking for 24K is close enough without being worrisome either for FR or other awkward reasons (like Amex wondering why someone would request $24900 for a limit).

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Regular Contributor
MustangSaluki
Posts: 203
Registered: ‎07-07-2008
0

Re: The Definitive Amex 3X CLI Guide Discussion Thread


Revelate wrote:

 (like Amex wondering why someone would request $24900 for a limit).


Rev

 

When your initial limit is $8300 then it is very tempting to get to $24,900 :smileyhappy: I remember when I first learnt about my CL the day after approval on the Amex HHS, I immediately thought Amex was intentionally enticing with a magic 3X waiting in the wings in 61 days :smileyvery-happy:

 

I really like Walt_K's suggestion that is a note in the OP that Amex may ask for 4506T for anything above $25k. It is not a full blown Financial Review which can potentially affect all accounts if Amex doesn't like what they see. In the case of a CLI, they might just deny it on that account if they don't receive the relevant transcripts/documentation. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+