topic Re: Max Exposure - AMEX 3X CLI in Credit Card Applications

Max Exposure - AMEX 3X CLI

LuckyB338 — Sun, 02 Sep 2018 02:36:06 GMT

Hello everyone,

Just wanted to inquire about something that’s been troubling me for a while and even more so as I approach my second 3X CLI date.

I was approved for BCE at a 4K SL then requested a 2.5X CLI at 91 days arriving at a total 10K CL.

So here’s the my dilemma, I’m still a student and only make 38K/year. I’m worried that being a student with that specific income would trigger a denial when I request a CLI in the upcoming week or two.

What’s the highest possible increase I can request with out being effected by max exposure?

Data points

Aaoa: 2 yrs
# of Accs: 1 student loan (in deferment-no interest), 2 revolvers (1.6k and 10k each); 3 total
Overall Util: 6%
Ex 721, TU 733, Eq 726
No derogs

Re: Max Exposure - AMEX 3X CLI

SweetCreditObsession — Sun, 02 Sep 2018 02:54:27 GMT

Unfortunately, I cannot address your question but I commend you for being prudent and thinking about this. I am hopeful that some of the other forum members can offer some practical insight to help you. Best wishes.

Re: Max Exposure - AMEX 3X CLI

Anonymous — Sun, 02 Sep 2018 14:08:11 GMT

@LuckyB338 wrote:
So here’s the my dilemma ... What’s the highest possible increase I can request with out being effected by max exposure?

No dilemna: ask for the max and Amex will give you what's available. Only they know what that number is so no need to fret about it. Good luck & please update.

Re: Max Exposure - AMEX 3X CLI

LuckyB338 — Sun, 02 Sep 2018 18:18:44 GMT

That’s what I would do or would recommend others do, but I’ve seen a few posts where others have been denied because the income is relatively low in comparison to requested increase.

Re: Max Exposure - AMEX 3X CLI

Anonymous — Sun, 02 Sep 2018 20:19:30 GMT

Amex will go up to 25k without income check. Go ahead abs apply for CLI. They will approve. Try and let us know.

Re: Max Exposure - AMEX 3X CLI

LuckyB338 — Sun, 02 Sep 2018 22:36:22 GMT

Will do. From what I understand CLIs are based more on Fico8s than income so chances are I will be approved. I wouldn’t be hesitant if I had a few more cards on my profile with a 60k or so income.

Thank you to everyone who helped