topic Re: AMEX CLI Increase/ New Card Application Timeframe? in Credit Card Applications

AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Thu, 06 Apr 2023 02:03:16 GMT

Hey all I've had my first CC with Amex (Amex BCP) for 90 days and requested 1st CLI on it and they took me from $15k SL and increased it to requested $30k. My question is can I apply for another card even though they just gave me a 15k CLI. Are there restrictions after they give you the 1st CLI on only card with them? Thanks for any feedback!

Re: AMEX CLI Increase/ New Card Application Timeframe?

fury1995 — Thu, 06 Apr 2023 02:28:44 GMT

@jcc332006 wrote:
Hey all I've had my first CC with Amex (Amex BCP) for 90 days and requested 1st CLI on it and they took me from $15k SL and increased it to requested $30k. My question is can I apply for another card even though they just gave me a 15k CLI. Are there restrictions after they give you the 1st CLI on only card with them? Thanks for any feedback!

You can apply for any Amex cards anytime you like. Amex will (normally) SP existing card holders and disclose approval terms if available for you to accept or decline.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Thu, 06 Apr 2023 02:40:49 GMT

@fury1995 wrote:
@jcc332006 wrote:
Hey all I've had my first CC with Amex (Amex BCP) for 90 days and requested 1st CLI on it and they took me from $15k SL and increased it to requested $30k. My question is can I apply for another card even though they just gave me a 15k CLI. Are there restrictions after they give you the 1st CLI on only card with them? Thanks for any feedback!
You can apply for any Amex cards anytime you like. Amex will (normally) SP existing card holders and disclose approval terms if available for you to accept or decline.

Oh ok I was concerned about them having restriction in place regarding when you could apply after receiving a CLI on an existing card. I want to apply for another card so wasn't sure if the CLI would hurt my chances for approval. Thanks for your feedback!

Re: AMEX CLI Increase/ New Card Application Timeframe?

fury1995 — Thu, 06 Apr 2023 02:43:47 GMT

They do have a 2 cards within 90 days rule but you are not within 90 days any longer.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Thu, 06 Apr 2023 02:48:52 GMT

@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.

Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.

Re: AMEX CLI Increase/ New Card Application Timeframe?

nytokyobred79 — Thu, 06 Apr 2023 23:38:55 GMT

@jcc332006 wrote:
@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.
Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.

Have you checked to see if you get the "you're pre-approved msg from your account page?" When logged in, go to the credit cards section and then you can click the "apply" button and then it will either give the message that "(insert name), you're pre-approved! Get a decision in as little as 30 seconds. " Or if not, it may generate the message "Applying to expand your membership with us is easy.." Neither of these is a guarantee of approval and you can certainly get approved with the " applying to expand " verbiage.

Note that most apps are sp after getting into Amex but they're certainly cases where that's not true. My 2 successive apps after first were sp's but I've seen dp's on this site of those who has hp's after being in the ecosystem as well.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Fri, 07 Apr 2023 04:43:35 GMT

@nytokyobred79 wrote:
@jcc332006 wrote:
@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.
Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.
Have you checked to see if you get the "you're pre-approved msg from your account page?" When logged in, go to the credit cards section and then you can click the "apply" button and then it will either give the message that "(insert name), you're pre-approved! Get a decision in as little as 30 seconds. " Or if not, it may generate the message "Applying to expand your membership with us is easy.." Neither of these is a guarantee of approval and you can certainly get approved with the " applying to expand " verbiage.

Note that most apps are sp after getting into Amex but they're certainly cases where that's not true. My 2 successive apps after first were sp's but I've seen dp's on this site of those who has hp's after being in the ecosystem as well.

Hi, no I haven't went to that page yet, but I appreciate the heads up. I kind of figured that since that huge banner popped up about the Hilton Card that my chance of approval is high. My Experian Fico is 800 and pretty much the same as it was when I got the card 90 days ago so I may give it a go.

Re: AMEX CLI Increase/ New Card Application Timeframe?

nytokyobred79 — Fri, 07 Apr 2023 05:58:44 GMT

@jcc332006 wrote:
@nytokyobred79 wrote:
@jcc332006 wrote:
@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.
Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.
Have you checked to see if you get the "you're pre-approved msg from your account page?" When logged in, go to the credit cards section and then you can click the "apply" button and then it will either give the message that "(insert name), you're pre-approved! Get a decision in as little as 30 seconds. " Or if not, it may generate the message "Applying to expand your membership with us is easy.." Neither of these is a guarantee of approval and you can certainly get approved with the " applying to expand " verbiage.

Note that most apps are sp after getting into Amex but they're certainly cases where that's not true. My 2 successive apps after first were sp's but I've seen dp's on this site of those who has hp's after being in the ecosystem as well.
Hi, no I haven't went to that page yet, but I appreciate the heads up. I kind of figured that since that huge banner popped up about the Hilton Card that my chance of approval is high. My Experian Fico is 800 and pretty much the same as it was when I got the card 90 days ago so I may give it a go.

Sounds like your profile is strong enough for that next app with them. In regards to the banners, Amex will definitely market certain cards and you'll periodically see those types of banners. When you get a chance, check your online account, see if you get the pre-approved verbiage. And as mentioned upthread, you can also use Amex's new "apply with confidence" which basically will tell you if you're approved and then you choose if you want to accept the offer or not. I haven't tried this via my online acct but instead, I went to incognito mode and applied for an app while not logged in and it basically told me I was approved for the card. I wanted to check the new feature to see how it worked. But I was hesitant to do it logged into my own account. Hehe. Good luck and I hope you get that next card.

Re: AMEX CLI Increase/ New Card Application Timeframe?

OmarGB9 — Fri, 07 Apr 2023 14:40:23 GMT

While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Fri, 07 Apr 2023 14:50:49 GMT

@OmarGB9 wrote:
While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.

Ok. Got it. So in other words they may not approve me for additional credit? I've read countless post where people have gotten cards like crazy after their 1st one. I hope they haven't capped me. Lol 🙂 BCP was 15k and now 90 days later it's $30k . After reading DP's I opted to only ask for 1x CLI fearing they would decline if I asked for 3x. I'll certainly keep this in mind. I just started a business and wondering if they'll approve me for their business blue 🤔

Re: AMEX CLI Increase/ New Card Application Timeframe?

OmarGB9 — Fri, 07 Apr 2023 15:06:08 GMT

@jcc332006 wrote:
@OmarGB9 wrote:
While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.

Ok. Got it. So in other words they may not approve me for additional credit? I've read countless post where people have gotten cards like crazy after their 1st one. I hope they haven't capped me. Lol 🙂 BCP was 15k and now 90 days later it's $30k . After reading DP's I opted to only ask for 1x CLI fearing they would decline if I asked for 3x. I'll certainly keep this in mind. I just started a business and wondering if they'll approve me for their business blue 🤔

It's possible, yes. No way to really know unless you try. One thing that could also happen if they feel you're maxed out is that they'll approve you for a new card, but they'll "borrow" credit from an existing card to open the new one.

Also, don't be afraid to ask for 3x next time; it's not all or nothing. If they feel it's too much but they're still willing to give you some sort of CLI, they'll counter.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Fri, 07 Apr 2023 17:48:10 GMT

@OmarGB9 wrote:
@jcc332006 wrote:
@OmarGB9 wrote:
While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.

Ok. Got it. So in other words they may not approve me for additional credit? I've read countless post where people have gotten cards like crazy after their 1st one. I hope they haven't capped me. Lol 🙂 BCP was 15k and now 90 days later it's $30k . After reading DP's I opted to only ask for 1x CLI fearing they would decline if I asked for 3x. I'll certainly keep this in mind. I just started a business and wondering if they'll approve me for their business blue 🤔

It's possible, yes. No way to really know unless you try. One thing that could also happen if they feel you're maxed out is that they'll approve you for a new card, but they'll "borrow" credit from an existing card to open the new one.

Also, don't be afraid to ask for 3x next time; it's not all or nothing. If they feel it's too much but they're still willing to give you some sort of CLI, they'll counter.

Got it! I was kind of feeling that I may have left some on the table by only asking for an additional 15k but kind of figured 30k would keep me in the safe zone since so many say sometimes beyond 30k brings about POI. Not that I'm worried but just didn't want the hassle. The next thing will be determining how much to ask for the next time without the POI hassle as well.😁 Lol! Appreciate the feedback!

Re: AMEX CLI Increase/ New Card Application Timeframe?

nytokyobred79 — Fri, 07 Apr 2023 18:59:03 GMT

@jcc332006 wrote:
@OmarGB9 wrote:
@jcc332006 wrote:
@OmarGB9 wrote:
While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.

Ok. Got it. So in other words they may not approve me for additional credit? I've read countless post where people have gotten cards like crazy after their 1st one. I hope they haven't capped me. Lol 🙂 BCP was 15k and now 90 days later it's $30k . After reading DP's I opted to only ask for 1x CLI fearing they would decline if I asked for 3x. I'll certainly keep this in mind. I just started a business and wondering if they'll approve me for their business blue 🤔

It's possible, yes. No way to really know unless you try. One thing that could also happen if they feel you're maxed out is that they'll approve you for a new card, but they'll "borrow" credit from an existing card to open the new one.

Also, don't be afraid to ask for 3x next time; it's not all or nothing. If they feel it's too much but they're still willing to give you some sort of CLI, they'll counter.
Got it! I was kind of feeling that I may have left some on the table by only asking for an additional 15k but kind of figured 30k would keep me in the safe zone since so many say sometimes beyond 30k brings about POI. Not that I'm worried but just didn't want the hassle. The next thing will be determining how much to ask for the next time without the POI hassle as well.😁 Lol! Appreciate the feedback!

At which point the POI request comes will depend on individual profiles. If you're demonstrating the spend and need for additional credit, the algorithm will likely reflect that. Amex is very algorithm driven.

Re: AMEX CLI Increase/ New Card Application Timeframe?

jcc332006 — Fri, 07 Apr 2023 19:25:30 GMT

At which point the POI request comes will depend on individual profiles. If you're demonstrating the spend and need for additional credit, the algorithm will likely reflect that. Amex is very algorithm driven.

I believe so because I've put close to 3k on it in 3 months on my way to trying to get that $350 back . Had a big purchase of $602 right after the new statement printed and the button to request a CLI in account services was telling me account was too new at first. A day later it appeared. So if you spend the aglorithm does like it. lol ! I love the BCP so far and plan on using it alot. Added wife as an AU on it as well and her FICO 8 shot up 30 points in the last month. Within 2 years i'm currently approaching 100k in available credit and estatic over being in the AMEX ecosystem. Tempted to pull the trigger for the other 10k-15k to get me over.

Re: AMEX CLI Increase/ New Card Application Timeframe?

mwrobers — Sat, 08 Apr 2023 22:19:05 GMT

Never applied for an additional card after receiving the, "Applying to expand your Card Membership with us is easy,..." message. Does hitting submit and getting declined = Hard Pull? I currently have Platinum, Delta Reserve, and Hilton Surpass. I'm interested in one of the Marriott cards. Checking to see if there are any datapoints indicating a risk for trying.