topic Re: Amex CLI guidelines in Credit Card Applications

Amex CLI guidelines

Tcal — Sat, 15 Jul 2023 19:03:25 GMT

I recently hit the 3rd statement mark on my BCP. Followed this link to check for CLI eligibility and it still says 'Your account is too new; check back later'.

How often should I be checking this? At the 6 month mark?

Re: Amex CLI guidelines

GZG — Sat, 15 Jul 2023 19:36:00 GMT

@Tcal wrote:
I recently hit the 3rd statement mark on my BCP. Followed this link to check for CLI eligibility and it still says 'Your account is too new; check back later'.

How often should I be checking this? At the 6 month mark?

check everyday honestly, for some people it's 6 months, but some people report 90-110 days, the only way to know is to check the link or go to the website and click the button to check

I was 90-100 days, it wasn't exactly on 90 or 91 days or exactly 3 statements though

with the $1k SL, they might want longer, but if they like you and you're giving them spend, it wouldn't surpirse me to see you get the 3x CLI pretty soon

Re: Amex CLI guidelines

Tcal — Sat, 15 Jul 2023 21:13:14 GMT

Appreciate it. I'll check every day and report back.

I've been putting decent spend on it, about $1700 so far to hit the SUB. But I was curious. It wouldn't surprise me that the number of tradelines opened might give them pause though. Hopefully they can give me some love soon as it's hard balancing utilization & that spend.

Re: Amex CLI guidelines

markbeiser — Sun, 16 Jul 2023 04:07:42 GMT

I got my BCE card on October 9, 2022, with a $1k credit limit.
I got my first 3x CLI to $3k using a link someone posted on this forum after 93 to 95ish days, as the link had not shown up in my Account Services on their web site until after I got my CLI.
Since then I've had a CLI to $9k, then to $27k a few days ago.

After 90 days, you just have to try the CLI request link every day until it lets you submit a request.

Re: Amex CLI guidelines

Tcal — Tue, 18 Jul 2023 12:34:48 GMT

@Tcal wrote:
Appreciate it. I'll check every day and report back.

I've been putting decent spend on it, about $1700 so far to hit the SUB. But I was curious. It wouldn't surprise me that the number of tradelines opened might give them pause though. Hopefully they can give me some love soon as it's hard balancing utilization & that spend.

UPDATE:

Finally got the button at 3 statements + 3 days, but got denied. Too many recent requests for credit, which is understandable. I'll try again next statement.

Re: Amex CLI guidelines

drewricomakeubu — Wed, 26 Jul 2023 14:49:07 GMT

I recently got my 3x cli from Amex a couple days ago after 90 something days from account opening. How often are we allowed to request another CLI? Is it every 6 months or every 90 days?

Re: Amex CLI guidelines

Rogue46 — Wed, 26 Jul 2023 22:09:39 GMT

My first Amex was a $1k limit card and it took I believe around the 6 month mark to get the 3x CLI

Re: Amex CLI guidelines

Zoostation1 — Thu, 27 Jul 2023 05:11:10 GMT

Would yall wait longer on than 6 months if it's a dirty profile or give it a try anyways? I have a $5k SL on my BCP but was approved only a couple of months after passing the 61mo rule (Amex was not involved in my CH7). I'm a 5 or 6 days past my 6th statement on the card.

Edit: I'm aware some people have struggled to get CLIs on a profile with a BK but I also have seen the recent growth that FireMedic1 has started getting.

Re: Amex CLI guidelines

Lou-natic — Fri, 28 Jul 2023 20:13:39 GMT

@Zoostation1 wrote:
Would yall wait longer on than 6 months if it's a dirty profile or give it a try anyways? I have a $5k SL on my BCP but was approved only a couple of months after passing the 61mo rule (Amex was not involved in my CH7). I'm a 5 or 6 days past my 6th statement on the card.

Edit: I'm aware some people have struggled to get CLIs on a profile with a BK but I also have seen the recent growth that FireMedic1 has started getting.

It's a SP CLI, if it doesn't go through oh well it doesn't affect anything.

Re: Amex CLI guidelines

TRC_WA — Fri, 28 Jul 2023 23:48:42 GMT

@Zoostation1 wrote:
Would yall wait longer on than 6 months if it's a dirty profile or give it a try anyways? I have a $5k SL on my BCP but was approved only a couple of months after passing the 61mo rule (Amex was not involved in my CH7). I'm a 5 or 6 days past my 6th statement on the card.

Edit: I'm aware some people have struggled to get CLIs on a profile with a BK but I also have seen the recent growth that FireMedic1 has started getting.

@Zoostation1

Good luck getting a CLI from Amex with a BK showing. I did not burn them in my 2017 Ch 13... they gave me a $10k card in May 2022 and I have never been able to get a CLI despite PIF each month.

"Your credit report reflects a bankruptcy" is the response I get every time... including the one about 20 mins ago.

They are looking at EX and the PR is due to fall off in January... or October if the 3 months EE holds true.

Not expecting a CLI before then but at least they started me at $10k.