topic Re: Amex CLI before 6 months - worked with caveats in Credit Card Approvals

Amex CLI before 6 months - worked with caveats

net_guy — Thu, 21 Apr 2022 14:14:53 GMT

TL;DR: Amex approved (took weeks) a CLI before 6 months but asked me to link my bank account first

I have 3 main amex cards. Delta Reserve, Marriott, and Hilton (though i've switched to mostly Marriott/Delta).

I've been following the forums and have used the 6 month rule for cli requests while also using amex cli transfer tool to move hilton to the other two.

I started Delta Amex with 2500 CL. With the above tactics, it's now above 15K

I started Marriott a few years ago with 10K+ but used amex cli tool to move around to delta and it was at 5K until recently.

The marriott is now 15K (just got cli approved)

I started Hilton with 10K but it's down to less than half of that (moved available to the above two)

Amex just gave me a multi K auto increase on Delta that took me to the latest numbers.

I was at 5K with marriott and I thought why not try the 3x - so I put in for 15K. I still had a month to go before 6 months, but with the auto increase on Delta I figured why not try.

I got hit with a verify financials email. They wanted to link to my bank account. I've seen on the forums that there are worse than this like asking for W2/tax - but they only asked for me to link my bank account. I had nothing to hide, so after some deliberation I did it. It took weeks. I thought it was just a deny - but today it came through. I still have a few weeks left to go before it was 6 months to the day since last CLI request. End of story, they did it - but I had to show them my bank records.

Putting this here for anyone else. I didn't have to wait 6 months, but they definitely wanted bank details. It wasn't quick either. Weeks.

Re: Amex CLI before 6 months - worked with caveats

gdale6 — Thu, 21 Apr 2022 15:03:38 GMT

Grats on your Amex success and welcome to the forums

Re: Amex CLI before 6 months - worked with caveats

SDMarik — Thu, 21 Apr 2022 15:16:39 GMT

Great early limit increase, congrats! Welcome to the forums!

Re: Amex CLI before 6 months - worked with caveats

CreditMagic7 — Thu, 21 Apr 2022 15:33:15 GMT

Congratulations on your sparkling Amex success!!

Re: Amex CLI before 6 months - worked with caveats

DesertWanderer — Fri, 22 Apr 2022 03:40:32 GMT

Congrats on your successes!

Re: Amex CLI before 6 months - worked with caveats

babygirl1256 — Fri, 22 Apr 2022 03:45:11 GMT

Congrats on your Amex CLI.

Re: Amex CLI before 6 months - worked with caveats

CYBERSAM — Fri, 22 Apr 2022 03:48:00 GMT

Congrats on your successes!👍👍

Re: Amex CLI before 6 months - worked with caveats

cashorcharge — Fri, 22 Apr 2022 22:00:44 GMT

That's terrific!! Congratulations on your AMEX Approval!! 🎉🥂👏

Re: Amex CLI before 6 months - worked with caveats

CreditAggie — Sun, 24 Apr 2022 05:50:17 GMT

Congratulations on your Amex CLI!