topic Re: CLI question re Amex BCP in Credit Card Applications

CLI question re Amex BCP

QuiescentAMK — Thu, 17 Jul 2025 23:45:46 GMT

Looking for some guidance regarding CLI request for Amex BCP. Approved for card November 2023 with a $5k line. Balance never went higher than 20% of my limit. Able to pay off entire balance October 2024, when I requested and approved for a CLI to $10k. PIF every month since and out of curiosity requested another CLI 5 months later and was approved for $15k. It's now been 5 months since last increase.

Should I take a chance and request another? I don't want to appear desperate for more credit and/or accidentally flag my account, especially with Amex. They don't do a hard pull for an increase request but I'm more concerned about my standing with Amex. I spend about $1-2k a month and pay balance in full. Any suggestions/advice from those familiar with the Amex ecosystem? Thanks!

FICO 8 EQ-782 EX-782 TU-790

Re: CLI question re Amex BCP

FicoMike0 — Fri, 18 Jul 2025 00:32:00 GMT

For me, amex went 3X until I reached 45% of reported income.Thats total exposure, two cards, bce and hilton.

As to when, it's when the "request credit limit increase" in the app isn't grayed out, lol. 91 days, usually, which applies to either card.

Re: CLI question re Amex BCP

QuiescentAMK — Fri, 18 Jul 2025 01:15:45 GMT

@FicoMike0 wrote:
For me, amex went 3X until I reached 45% of reported income.Thats total exposure, two cards, bce and hilton.
As to when, it's when the "request credit limit increase" in the app isn't grayed out, lol. 91 days, usually, which applies to either card.

Thanks for the info. The Request CLI button is not grayed out. I guess my (unrealistic?) concern stems from anecdotal info I've heard about "abuse" of the Check Spending Power feature leading to an infamous Amex review.

Re: CLI question re Amex BCP

dahx — Fri, 18 Jul 2025 04:15:49 GMT

Many people hit 15k+ (from 1k - 2k SL) within a year, like me, without issue.

Re: CLI question re Amex BCP

dfwxjer — Fri, 18 Jul 2025 04:27:16 GMT

Worst case they will ask for 3 months bank statements to verify income. If you get that response you can either proceed with providing the statements (or access to your bank account), or discontinue the CLI request and retain your current CL as if you never requested the CLI.

Re: CLI question re Amex BCP

FicoMike0 — Fri, 18 Jul 2025 19:21:55 GMT

Since we're on the subject, anyone know what might trigger the poi request? I'm planning to request another cli on bcp. Since I'm at 45% income, I'm going to limit to 50%. Is there a CL I should stay under to avoid poi request? I seem to recall the number $35,000. Anyone know?

Re: CLI question re Amex BCP

dfwxjer — Fri, 18 Jul 2025 18:30:31 GMT

@FicoMike0 wrote:
Since we're on the subject, anyone know what might trigger the point request? I'm planning to request another cli on bcp. Since I'm at 45% income, I'm going to limit to 50%. Is there a CL I should stay under to avoid poi request? I seem to recall the number $35,000. Anyone know?

I was up to $50k on my BCE. When I requested $70k they finally asked for statements.

Re: CLI question re Amex BCP

FicoMike0 — Fri, 18 Jul 2025 19:25:55 GMT

Thanks! Im thinking I'll ask for $27,000 to $35,000 on bcp.

Re: CLI question re Amex BCP

dfwxjer — Fri, 18 Jul 2025 19:44:42 GMT

If your income supports it then you'll be good to go! Good luck

Re: CLI question re Amex BCP

FICOdawg — Fri, 18 Jul 2025 20:52:08 GMT

@FicoMike0 wrote:
For me, amex went 3X until I reached 45% of reported income.Thats total exposure, two cards, bce and hilton.
As to when, it's when the "request credit limit increase" in the app isn't grayed out, lol. 91 days, usually, which applies to either card.

Does AMEX actually report a CL? I thought they are the odd ball. Not sure how huge CL helps you with AMEX

Re: CLI question re Amex BCP

QuiescentAMK — Fri, 18 Jul 2025 21:35:58 GMT

@FICOdawg wrote:
@FicoMike0 wrote:
For me, amex went 3X until I reached 45% of reported income.Thats total exposure, two cards, bce and hilton.
As to when, it's when the "request credit limit increase" in the app isn't grayed out, lol. 91 days, usually, which applies to either card.
Does AMEX actually report a CL? I thought they are the odd ball. Not sure how huge CL helps you with AMEX

If you're asking if Amex reports a CL to the bureaus, they do, with the exception of their NPSL cards. But at least in my case they don't report much else re account's historical data (actual monthly payment, etc.) compared to most other lenders.

Re: CLI question re Amex BCP

coldfusion — Sat, 19 Jul 2025 16:40:09 GMT

Correct that they do not report the monthly balance. They do provide the highest balance reported since the card was opened and if a credit cards they also report the current CL.

Re: CLI question re Amex BCP

Zoostation1 — Sun, 20 Jul 2025 18:20:40 GMT

@coldfusion What do you mean by they don't report the monthly balance? Are you referring to the NPSL charge cards only? For my regular BCP I see my balance reported monthly on my report along with the highest reported balance.

Re: CLI question re Amex BCP

Zoostation1 — Sun, 20 Jul 2025 18:29:41 GMT

@FicoMike0 wrote:
For me, amex went 3X until I reached 45% of reported income.Thats total exposure, two cards, bce and hilton.
As to when, it's when the "request credit limit increase" in the app isn't grayed out, lol. 91 days, usually, which applies to either card.

I noticed the OP noted getting a CLI 5months after the first one. I thought it was 91 days for the first (took me 2yrs before they'd approve me for one cause of my dirty profile), and then 6 months apart after that to request?

Re: CLI question re Amex BCP

QuiescentAMK — Fri, 25 Jul 2025 17:39:20 GMT

@QuiescentAMK wrote:
Looking for some guidance regarding CLI request for Amex BCP.
<edited>
Should I take a chance and request another? I don't want to appear desperate for more credit and/or accidentally flag my account, especially with Amex. They don't do a hard pull for an increase request but I'm more concerned about my standing with Amex. I spend about $1-2k a month and pay balance in full. Any suggestions/advice from those familiar with the Amex ecosystem? Thanks!

FICO 8 EQ-782 EX-782 TU-790

***Update: Finally decided to go for it and last night submitted an online CLI request from $15k to $20k. I was approved almost instantly, and since this is my first $20k line after 2.5 years of rebuilding, it meant a lot more than just any increase.

As this is the third CLI I've requested/receivedon this card since opening the account 18 months ago, I'm holding off on any future requests (when I'm eligible) until early 2026 at the earliest.

Thanks for the feedback!

Re: CLI question re Amex BCP

dfwxjer — Fri, 25 Jul 2025 17:57:18 GMT

@coldfusion wrote:
Correct that they do not report the monthly balance. They do provide the highest balance reported since the card was opened and if a credit cards they also report the current CL.

They do report the monthly statement balance on my Platinum card, they just don't report a limit since it's a npsl chargecard.

My BCP reports like the normal revolver it is, with statement balance and credit limit.

Re: CLI question re Amex BCP

NoHardLimits — Fri, 25 Jul 2025 19:12:07 GMT

@dfwxjer wrote:
@coldfusion wrote:
Correct that they do not report the monthly balance. They do provide the highest balance reported since the card was opened and if a credit cards they also report the current CL.

They do report the monthly statement balance on my Platinum card, they just don't report a limit since it's a npsl chargecard.

My BCP reports like the normal revolver it is, with statement balance and credit limit.

Correct. The NPSL Amex charge cards do report statement balances. However, they are not considered to be "revolving" accounts and are therefore excluded from utilization calculations. They are still included in the number of accounts with balances calculations.

Re: CLI question re Amex BCP

FicoMike0 — Fri, 25 Jul 2025 20:31:03 GMT

Ditto @dfwxjer

They report both my bcp and hilton.