topic Re: Amex rules for credit increase in Credit Card Applications

Amex rules for credit increase

AyaMai — Sun, 08 May 2022 03:46:57 GMT

After 90 day I asked for a limit increase from $1000 to $2500 on my Hilton Card & was approved . My question am I eligible to ask for credit increase on my Blue Cash Preferred or do have to wait 6 months after I opened the account or 6 months after I increaded my Amex Hilton credit line. Note the credit limit is $4000 & it’s 5 months old. Your thoughts are appreciated and thank you in advance.

Re: Amex rules for credit increase

FinStar — Sun, 08 May 2022 03:54:26 GMT

@AyaMai wrote:
After 90 day I asked for a limit increase from $1000 to $2500 on my Hilton Card & was approved . My question am I eligible to ask for credit increase on my Blue Cash Preferred or do have to wait 6 months after I opened the account or 6 months after I increaded my Amex Hilton credit line. Note the credit limit is $4000 & it’s 5 months old. Your thoughts are appreciated and thank you in advance.

Once a CLI is approved on any AmEx card, one must wait 6 months to be eligible for another CLI, whether on the same card or another AmEx card.

In your scenario, you'll have to wait 6 months to request a CLI on BCP from the last approved request on the Hilton card.

Re: Amex rules for credit increase

babygirl1256 — Sun, 08 May 2022 03:55:07 GMT

Over one year ago, Amex's CS advised me that a credit limit increase can be granted every six months across all products; so I believe that you will have to wait 6 months after your Amex Hilton credit limit increase. Best wishes in obtaining your desired credit limit!!!

Re: Amex rules for credit increase

hazmat2021 — Mon, 09 May 2022 22:59:54 GMT

I like your CS goals!!! Aim High!!!

Re: Amex rules for credit increase

Mistuhcee — Sat, 06 Aug 2022 06:17:01 GMT

Not necessarily true. I've gotten 3 (3x the limit) increases every 3 months starting in Dec 21. Got one in Dec, March and last one in June.

Re: Amex rules for credit increase

Tinkiegrrl — Sat, 06 Aug 2022 14:21:11 GMT

Really? That's awesome. My sister just got her first 3x limit increase from $2k to $6k at 61 days. I advised her to wait 6 months for the next. It appears I was wrong...

Re: Amex rules for credit increase

Mistuhcee — Sat, 06 Aug 2022 14:27:57 GMT

I did have my card for a year before getting my first increase.

Re: Amex rules for credit increase

MCM1 — Sun, 07 Aug 2022 00:03:21 GMT

How do you do that? Is there a way to ask for the CLI at 60 days?

Re: Amex rules for credit increase

OmarGB9 — Sun, 07 Aug 2022 20:20:00 GMT

@Mistuhcee wrote:
Not necessarily true. I've gotten 3 (3x the limit) increases every 3 months starting in Dec 21. Got one in Dec, March and last one in June.

If that's true, you are definitely an outlier. It's ALWAYS been the case that Amex only approves one CLI per accountholder every 6 months.

Re: Amex rules for credit increase

Mistuhcee — Sun, 07 Aug 2022 20:43:29 GMT

That's what I had seen on multiple forums as well. I initially got the card with $1k limit. Had it for a year before getting my first increase. I went from $1k to $25k in six months. I was hesitant to ask for over $25k so I didn't ask for $27k. I'm on my phone and can't figure how to add photos from the increases🤦🏾‍♂️

Re: Amex rules for credit increase

Antredd — Sun, 07 Aug 2022 23:33:47 GMT

I didn't see this thread before I started one on getting denied for an AMEX CLI after 61 days. I guess I should have waited 3-6 months before I asked for a CLI.

Re: Amex rules for credit increase

Mdowning30 — Mon, 08 Aug 2022 19:45:58 GMT

You could have gotten up to $3000