topic Re: Bread Financial AMEX and AAA Travel CLIs in Credit Card Approvals

Bread Financial AMEX and AAA Travel CLIs

masscredit — Sun, 02 Nov 2025 06:16:45 GMT

It was time to request a CLI for my Bread Financial AMEX card. That card had a SL of $6950 (strange number). Submitted my info and was rewarded with a $1500 increase to $8450 (still a strange number). I was approved for their AAA Travel Advantage Visa April 30th. It had a SL of $10000. I requested an increase May 22nd. Was surprised to receive a $1500 increase so soon. I was going to wait until it was 6 months since the last increase but figured there wouldn't be any harm trying a few weeks early. Another $1500 to bump it up to $13000.

Both of these were a SP. I guess they have a thing about $1500? And it looks like we don't have to wait 6 months between CLI requests. For those with these and other Bread Financial cards, what has your experience been?

Re: Bread Financial AMEX and AAA Travel CLIs

1lifeisworthit — Sun, 02 Nov 2025 13:03:37 GMT

I have a Bread Amex cash back card, but I've stopped using it. I never got a CLI and I never asked for it.

The card is literally sock drawered for me now. Just waiting for them to close it.

Does anyone know whent that is likely to happen?

Re: Bread Financial AMEX and AAA Travel CLIs

Follower — Sun, 02 Nov 2025 13:36:47 GMT

I waited a year or so after opening my Daily Advantage, and then got a $2,500 SP CLI. I may try again in the new year since that will be another decent chunk of time between requests.

Re: Bread Financial AMEX and AAA Travel CLIs

masscredit — Sun, 02 Nov 2025 14:36:05 GMT

@1lifeisworthit Why don't you use it?

@Follower I read a post from someone who said he tries for a CLI every four months. Usually get it. I'm going to put these cards on a four month schedule.

Re: Bread Financial AMEX and AAA Travel CLIs

BoujeeBetty — Sun, 02 Nov 2025 16:14:11 GMT

When Bread was known as Comenity, it was every 4 months and 1 day like clockwork. Always $1,500. I worked 2 of their cards all the way to the $30k max doing this. At one time I had 12 Comenity cards because of the shopping cart trick. I have 1 today at $30k. I got in the game right at the height of the frenzy and honestly, it's why I have the best of the best cards, limits and APRs right now.

Keep trying every 4 months and 1 day and see if it still works.

Re: Bread Financial AMEX and AAA Travel CLIs

Total_Synergy — Sun, 02 Nov 2025 19:32:56 GMT

Congratulations @masscredit on the consistent CLIs! Unlike yourself and @BoujeeBetty, my last 2 CLIs for AAA Daily were $2500 each time, but at the 6 month marks. I'll try like @masscredit at 4 months and see if it changes.

Re: Bread Financial AMEX and AAA Travel CLIs

cashorcharge — Mon, 03 Nov 2025 21:58:39 GMT

WOOHOO!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: Bread Financial AMEX and AAA Travel CLIs

aplast — Tue, 04 Nov 2025 16:10:56 GMT

I have a Bread rewards American Express. Opened in March. I finally got my first CLI of 1500 a few days ago. New limit is a whopping..... 2900. I daily drove the card for a few months but it was not meeting my spending needs at the initial 1400 limit and cycling it was just annoying. It sits in the sock drawer now. Shame because it has the potential to be a pretty aggressive card, especially if you hit the bonus .75% spend every month.

Edit: Congrats OP on the CLIs!!

Re: Bread Financial AMEX and AAA Travel CLIs

coreyb80 — Tue, 04 Nov 2025 14:37:12 GMT

Congrats on the increases!

Re: Bread Financial AMEX and AAA Travel CLIs

Copenix — Wed, 05 Nov 2025 08:44:32 GMT

Nice. Congrats on your CLIs.

Re: Bread Financial AMEX and AAA Travel CLIs

youngandcreditwrthy — Wed, 05 Nov 2025 16:41:15 GMT

@masscredit This is interesting. I've noticed I'm getting 1000 CLis on Bread Amex Rewards (can't be 3%+) if you PIF.

My cl started at 2950, and I think its probably .. something like.. every 5-10 points your score is up or down, is how that silly $50 comes out LOL

Ive been using Comenity cards since they owned the A&F card in like 2007. For the Store cards, it was always 4 months. For the co branded network cards with the MC, Amex, Visa, etc. it seems like 5-6 months is about right.

CONGRATS :-)

Re: Bread Financial AMEX and AAA Travel CLIs

Follower — Fri, 21 Nov 2025 19:12:54 GMT

I finally went and requested a CLI, six months and a week or so after the last one, and got instant approval for another, yes, $2,500.