topic Re: Amex CLI intervals in Credit Card Applications

Amex CLI intervals

drewricomakeubu — Fri, 28 Jul 2023 02:38:43 GMT

I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went.

Re: Amex CLI intervals

SouthJamaica — Fri, 28 Jul 2023 02:59:21 GMT

@drewricomakeubu wrote:
I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went.

Conventional wisdom used to be 90 days from denial or 180 days from approval.

But lately there have been reports of people getting CLI's sooner. So who knows.

Re: Amex CLI intervals

Creditwiser — Fri, 28 Jul 2023 03:28:05 GMT

@drewricomakeubu wrote:
I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went.

My recent two CLI's were 91 days apart.16k--> 20k & 20k-->25k. Although previous intervals I can't recall, but Ive never been denied.

Re: Amex CLI intervals

markbeiser — Fri, 28 Jul 2023 03:56:17 GMT

I've been getting CLIs 91ish days appart on my BCE card, went from $1k to $27k in 9 months and a few days.

Re: Amex CLI intervals

nytokyobred79 — Fri, 28 Jul 2023 08:58:49 GMT

As @SouthJamaica @mentions, Amex has been a bit all over the place depending on the spending patterns and profile. I haven't been able to get them to budge this year but was able to open a new account. However, from Octoberish 2021 to fall 2022, they were one of my main drivers and I was able to request 4 cli's within a 11 month period. So I think nowadays, relationship with them, spending and profile may outweigh the previous norms. But who really knows...

Re: Amex CLI intervals

SPChaser — Mon, 07 Aug 2023 00:52:27 GMT

@SouthJamaica wrote:
@drewricomakeubu wrote:
I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went.
Conventional wisdom used to be 90 days from denial or 180 days from approval.

But lately there have been reports of people getting CLI's sooner. So who knows.

@SouthJamaica thank you for posting this reply! I haven't been on top of Amex CLI trends and thought the 90/180 days still held firmly true . The last time wifey was approved for a CLI on her Delta Platinum was April 2023, so I planned to request again in October. I can happily confirm that the 180 days definitely aren't in stone; she was given a CLI of $25,000 to $30,000 ! This forum has done so much for our credit and continues to do so, thanks again everyone!

Re: Amex CLI intervals

Webspry — Sun, 20 Aug 2023 18:06:14 GMT

Obviously everyone is different. I've had a relationship with Amex for over 25 yrs. I currently have 5 Amex cards, 3 personal and 2 Business cards. I use the Platinum and Blue Everyday card, pretty much daily. In general I don't carry a balance on any cards. This is pretty much the same with the Discover Card and Chase Visa. I generally will have a score of 800-815 at any given time. No days I don't even bother checking scores but a few times a year. Mortgage recently paid off, one car has 20% left on balance. Utilization is probably less than 1%. I swipe a lot on the 2 Amex cards, a lot. Probably 10K a month, often more. My Blue card CL has been automatically increased by Amex over the last 5+ years. It's currently $26,500. I didn't ask once. I think its simply because I use the card. I'm wearing cards out 2-3 times a year.

I would use and pay, use and pay, and wait at least 6 months before asking for a CLI.
also consider adding their Checking and HYSA. Making regular deposits no matter what the amount. Not saying this helps, but every time I call them about something they always bring up the fact that I have these accounts as well. I've learned over the years that with any credit card, no matter what CL you have on a particular card, if you're not exercising it it's worthless to anyone.