topic Amex CLI in Credit Card Approvals

Amex CLI

Anonymous — Thu, 10 Jan 2013 06:36:00 GMT

Hi I have had Amex card for past 3 years or so start with 10k and a year latter it went up to 12k.. Now it is at 12k for a long long time... I just want to get another 5k in CLI, what would be the best approach to do that?

Thanks in advance.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:39:52 GMT

Log on to your account with them and click the CLI button.

Request a limit of $25k.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:41:47 GMT

Thanks that was easy... will try it out soon.

Re: Amex CLI

chnceit — Thu, 10 Jan 2013 06:42:55 GMT

Hows your UTI? If its low and since you didnt ask or get a CLI for a while, more than 6 months ago then go online, account management, manage credit line and request a CLI. AMEX will deny or counter offer if eligible.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:43:14 GMT

Let us know the results.

If you credit profile is in good shape you should be good to go for the full 25k.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:47:58 GMT

My util on the card is low around $500 on amex and 3k in total (1.5k in revolving at 0%apr) with 22k Total credits. I have no immidiate need for credit just thought If I can get better upper limit that will help me with the 1.5k that I am revoling for better UTIL ratio to help the score. Makes sense?

I am kinda lasy to get out of my bed to get the card... it is asking for the 4 digit security number on the card. Will try it out soon and will let you know here. btw is it a soft or hard pull?

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:50:34 GMT

Likely no pull.

They will just use a soft pull that they already have on file.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 06:53:55 GMT

Excellent, armed will all these information I am gona try it out tomorrow morning.

Good night guys.

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 14:12:40 GMT

$25k is the new CL!!!

Maybe I should have asked for more , I was bit skeptical on 100% increase in CL but I guess it was long pending for me.

Before requesting for CLI, I tested with spending ability, I put in 20k and it was approved... not sure if this is any indicator though.

Thanks everyone!

Re: Amex CLI

armbenderc — Thu, 10 Jan 2013 14:15:34 GMT

@Anonymous wrote:
$25k is the new CL!!!
Maybe I should have asked for more , I was bit skeptical on 100% increase in CL but I guess it was long pending for me.

Before requesting for CLI, I tested with spending ability, I put in 20k and it was approved... not sure if this is any indicator though.

Thanks everyone!

Where's the party?

Grats!

Re: Amex CLI

youngandcreditwrthy — Thu, 10 Jan 2013 14:15:42 GMT

Wow!! Do not ask for more than $25k w Amex as they will likely ask for tax dox!!!!

Congrats though!!! I can't wait to request a $25,000 limit in five more months!!!!!:-)

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 14:28:16 GMT

Cool so 25k is the limit with Amex without triggering tax dox request..

Thanks again all.

Re: Amex CLI

youngandcreditwrthy — Thu, 10 Jan 2013 15:48:26 GMT

That's what the word on the street is... I, personally, will be requesting a cli to $24,000 in five more months on my $10.5k BCE. I hate dealing with tax related items as it is already haha

Re: Amex CLI

SnackTrader — Thu, 10 Jan 2013 16:04:04 GMT

@youngandcreditwrthy wrote:
That's what the word on the street is... I, personally, will be requesting a cli to $24,000 in five more months on my $10.5k BCE. I hate dealing with tax related items as it is already haha

Which income did you put down for your Amex applications? You've mentioned on here before that you have used HHI in applications. Is that the reason you don't want to submit tax documentation?

Re: Amex CLI

youngandcreditwrthy — Thu, 10 Jan 2013 16:09:42 GMT

The reason is that I have many other high credit limits and they can see I handle my credit effectively.
I don't remember what income I used on my Amex app, but I have my household's tax returns. ;-) so I have dox. I'd expect the chances of a FR to be slim unless your score drops for some reason. Creditors aa ppl for change in risk typically

Re: Amex CLI

Anonymous — Thu, 10 Jan 2013 16:33:35 GMT

@Anonymous wrote:
Cool so 25k is the limit with Amex without triggering tax dox request..

Thanks again all.

It has been rumored that is the case. That is why I recommended you ask for 25k.

Glad it worked out for you. Treat AMEX well.