topic Re: Not sure why but AMEX loves me…BCP 50k to 65k cli in Credit Card Approvals

Not sure why but AMEX loves me…BCP 50k to 65k cli

Beefy1212 — Thu, 02 Oct 2025 06:17:27 GMT

Was activating my new card tonight and on a whim decided to see if I had a cli coming my way...

Asked for 75k got 65k no HP, no POI.

Spend 300/mon maybe

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Copenix — Thu, 02 Oct 2025 09:32:00 GMT

Very strong I must say. Good going.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

LIGHTNIN — Thu, 02 Oct 2025 12:58:34 GMT

AMEX loves you because you must be doing something right!!🙃

15k CLI yeah baby!!

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Patient957 — Thu, 02 Oct 2025 13:08:50 GMT

That's a beefy credit limit, Beefy. Congrats!

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

coreyb80 — Thu, 02 Oct 2025 17:22:48 GMT

Congrats on the increase!

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

dfwxjer — Thu, 02 Oct 2025 20:05:41 GMT

Congrats, gotta love the BCP

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Thomas_Thumb — Thu, 02 Oct 2025 21:42:35 GMT

@Beefy1212 wrote:
Was activating my new card tonight and on a whim decided to see if I had a cli coming my way...

Asked for 75k got 65k no HP, no POI.

Spend 300/mon maybe

Wow! That's insane for $300/month spend.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Total_Synergy — Sat, 04 Oct 2025 01:26:10 GMT

Agreed Amex loves you. Welcome the The Swagger Club with that strong CLI, Congratulations!

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

FlaDude — Sat, 04 Oct 2025 02:31:47 GMT

Congrats! I have 4 Amex credit cards and my total CL is only 60k. My last request was denied outright and the one before that they gave me 1.3k more on a card with a 1k limit.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Beefy1212 — Sun, 05 Oct 2025 04:17:49 GMT

@Thomas_Thumb wrote:
@Beefy1212 wrote:
Was activating my new card tonight and on a whim decided to see if I had a cli coming my way...

Asked for 75k got 65k no HP, no POI.

Spend 300/mon maybe

Wow! That's insane for $300/month spend.

Yea... mostly it just gets my myFICO subscription and a trip to the grocery store.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

CYBERSAM — Sun, 05 Oct 2025 18:04:16 GMT

Congrats on your AMEX CLI, nicely done! 🤑👍👍

Have you ever went through POI with them before?

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Beefy1212 — Sat, 08 Nov 2025 19:35:37 GMT

@CYBERSAM wrote:
Congrats on your AMEX CLI, nicely done! 🤑👍👍
Have you ever went through POI with them before?

Sorry Sam I missed your reply here I don't check myFICO forums often anymore.

Never, I refuse on principle anytime a credit card requests a full financial audit. Amex has in the past asked me for access to my last 3 tax returns and access to review my bank accounts, but I did not follow up.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

cchunter — Tue, 11 Nov 2025 19:49:06 GMT

Congrats. Doesn't they have a hard stop at $34900?

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Beefy1212 — Wed, 12 Nov 2025 18:03:11 GMT

@cchunter wrote:
Congrats. Doesn't they have a hard stop at $34900?

So I have heard, but the one constant I can say about rules in the credit world is there is always a yea... but.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

NoMoreE46 — Fri, 14 Nov 2025 01:17:03 GMT

Very nice @Beefy1212 .

As another DP, my BCP/BCE is at $44400 with no docs, SL $10000.

$30000 after 4 mo from SL

$32600 after 6 mo

$39000 after 6 mo

$41000 after 3 mo

$44400 after 4 mo

@cchunter wrote:
Congrats. Doesn't they have a hard stop at $34900?

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

Beefy1212 — Fri, 21 Nov 2025 19:17:25 GMT

@NoMoreE46 wrote:
Very nice @Beefy1212 .

As another DP, my BCP/BCE is at $44400 with no docs, SL $10000.

$30000 after 4 mo from SL
$32600 after 6 mo
$39000 after 6 mo
$41000 after 3 mo
$44400 after 4 mo

@cchunter wrote:
Congrats. Doesn't they have a hard stop at $34900?

Yea believe it or not my BCP started as a measly 1k sl 4 years ago. They wouldn't give me a cli for almost a year and a half. Then every 3-6months quickly went to 3,9,27k then 50, and now 65.

None of my cards come close to a 65x increase. If I was a bank I wouldn't give me a 65k card there is no way I could make the payments on maxing this card out Amex is just wild to me.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

dfwxjer — Fri, 21 Nov 2025 20:41:06 GMT

I didn't get a request for bank statements until I went to $70k. I'm not sure I'm going to push any further on my BCP but I can confirm there's no hard and fast rule about $35k being the limit for no POI.

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

LiamDavis — Sat, 22 Nov 2025 00:41:25 GMT

Do you think it's helpful to ask for a particularly high amount, or just ask for an increase in general and see what you get?

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

dfwxjer — Sun, 23 Nov 2025 15:06:57 GMT

@LiamDavis wrote:
Do you think it's helpful to ask for a particularly high amount, or just ask for an increase in general and see what you get?

With Amex you have to request a specific amount you'd like your CL raised to

Re: Not sure why but AMEX loves me…BCP 50k to 65k cli

NoMoreE46 — Mon, 24 Nov 2025 18:31:07 GMT

@Beefy1212 wrote:

Yea believe it or not my BCP started as a measly 1k sl 4 years ago. They wouldn't give me a cli for almost a year and a half. Then every 3-6months quickly went to 3,9,27k then 50, and now 65.

None of my cards come close to a 65x increase. If I was a bank I wouldn't give me a 65k card there is no way I could make the payments on maxing this card out Amex is just wild to me.

$1,000 to $65,000 is awesome.