topic Re: American Express 3xcli before 61 days in Credit Cards

American Express 3xcli before 61 days

TheFate — Fri, 10 Jul 2015 19:36:31 GMT

Can someone confirm you no longer have to wait the 61 days to request the 3xCLI on new accounts?

I don't want to blow my chances..has anyone not received the full 3xcli going this route?

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 19:42:46 GMT

I received a 7-10 day message...$5,000 SL and 15.24% rate on Everyday Card...1st csrd with AMEX and I should have waited.

Re: American Express 3xcli before 61 days

TRC_WA — Fri, 10 Jul 2015 19:46:19 GMT

$5k AmEx Delta instant approval in December 2014...

... no luck with any type of CLI. They cite my 6+ year old BK13 that is falling off my reports in a few months as the reason.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 19:47:31 GMT

@TheFate wrote:
Can someone confirm you no longer have to wait the 61 days to request the 3xCLI on new accounts?

I don't want to blow my chances..has anyone not received the full 3xcli going this route?

17.99 on ED 0 for 15 5k (biggest card at the time was 2k), got it in may, requested 3x cli at activation, denied. then got delta gold 15.24% apr few days ago, requested 3x cli at activation, denied.

many other folks have done it and got it before 60 days. Then there are the folks that say its better to wait. I would say if you are hesitant, dont. If you have good aaoa low inqs and decent scores, go for it. or if your starting limit is way low compared to other cards.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 19:49:59 GMT

I waited the full 61 days and got it. Now ready to hit that button again on the 12th for another 3xcli bringing me to 18k.

Re: American Express 3xcli before 61 days

MT936 — Fri, 10 Jul 2015 20:06:29 GMT

Wait the 61 days it will work

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 20:20:08 GMT

The 61 days is meaningless anymore. If your credit profile supports it then you can try. There is no guarantee that you will be approved now ior after 61 days because that amount of time is completely meaningless now. The worst that happens is you get denied and have to wait 90 days to try again.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 20:28:31 GMT

I tried at activation and was denied. Had to wait 90 (actually waited 91) days from denial, then I was approved for the 3x CLI. It is my first Amex card. If it's your first card with them, I would just recommend waiting the 61 days to show usage and payment history. I know others have been approved in less than 61 days, but with my situation I wish I would have waited the full 61 days. It took a month to receive my card (first one never showed up, so they had to cancel and send another) so in reality I ended having to wait over 120 days for my first 3x CLI. I can't help but think had I just waited the 61 days to begin with, I may have gotten it sooner.

Re: American Express 3xcli before 61 days

TheFate — Fri, 10 Jul 2015 20:59:02 GMT

So it's 61 days starting once activated of card or approval?

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 21:06:37 GMT

It was from approval for me.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 21:27:32 GMT

@TheFate wrote:
So it's 61 days starting once activated of card or approval?

no.

after the end of may/june1st the rules have changed. you can request a CLI at activation. if your scores are good with goo aaoa low inqs, go for it. if you dont think you will get it, then wait a few months. if denied wait 90 days. if approved, can request again in 6 months. theres a whole guide here on the process but it needs some updating:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 21:29:37 GMT

I really wish people here would stop focusing on 61 days as if it has some meaning. It doesn't at all. You can try at 58 days or 52 days, it just doesn't matter. Plenty of people here have been approved at activation or shortly thereafter. The 61 days is not now nor ever was some guarantee that your CLI request would be approved. Plenty of people were and still are declined after waiting. Your CLI request will be approved if your credit file supports it and it doesn't matter whether it's 61 days or 161 days after your initial approval.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 21:36:29 GMT

@TheFate wrote:
So it's 61 days starting once activated of card or approval?

http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071

article is half way updated.

after june 1st, the 61 days doesnt matter. if your inqs are low, aaoa high, and scores are above 680 then go for it. if you are doubting it, then wait

Re: American Express 3xcli before 61 days

newhis — Fri, 10 Jul 2015 22:39:11 GMT

@Anonymous wrote:
I really wish people here would stop focusing on 61 days as if it has some meaning. It doesn't at all. You can try at 58 days or 52 days, it just doesn't matter. Plenty of people here have been approved at activation or shortly thereafter. The 61 days is not now nor ever was some guarantee that your CLI request would be approved. Plenty of people were and still are declined after waiting. Your CLI request will be approved if your credit file supports it and it doesn't matter whether it's 61 days or 161 days after your initial approval.

To people that want to wait, instead of waiting for a specific date, check your report for Amex SPs, they will use the last SP they have from EX.

There is no point to wait 61 days if they did the SP on day 15, you just waisted many days. If you think that your report/usage/internal score will improve, then wait, but check for Amex SPs.

Re: American Express 3xcli before 61 days

Platinum — Fri, 10 Jul 2015 23:25:34 GMT

My son requested CLI as soon as he received the card. You need 4-digit code in the front of the card to request it online. He asked for increase from $2K to $10K, but was approved instantly for $6K max and he accepted. 61 days is no more.

Re: American Express 3xcli before 61 days

Anonymous — Fri, 10 Jul 2015 23:40:44 GMT

@newhis wrote:
@Anonymous wrote:
I really wish people here would stop focusing on 61 days as if it has some meaning. It doesn't at all. You can try at 58 days or 52 days, it just doesn't matter. Plenty of people here have been approved at activation or shortly thereafter. The 61 days is not now nor ever was some guarantee that your CLI request would be approved. Plenty of people were and still are declined after waiting. Your CLI request will be approved if your credit file supports it and it doesn't matter whether it's 61 days or 161 days after your initial approval.
+1

To people that want to wait, instead of waiting for a specific date, check your report for Amex SPs, they will use the last SP they have from EX.

There is no point to wait 61 days if they did the SP on day 15, you just waisted many days. If you think that your report/usage/internal score will improve, then wait, but check for Amex SPs.

Very good points about the SPs as they do not pull a new report for the CLI request.

Re: American Express 3xcli before 61 days

Anonymous — Sat, 11 Jul 2015 02:39:59 GMT

No need to wait fo 61 days. Look for a SP after amex appoves ou, then request a CLI. My wife had a 25pt change 2 weeks after she got approved for her BCP. She went from 3k to 9k after the first statement. My friend did the same for his SPG. Went from 7.5 to 22k in about 40 days. If you have good scores or a significant change, then there is no need to wait.

Re: American Express 3xcli before 61 days

UncleB — Sat, 11 Jul 2015 03:05:57 GMT

One month after I got my card, I tried for a CLI and was denied due to a "previous relationship with American Express". I had a BK7 back in 2000, and Amex was included. It didn't stop them from allowing me to get 'back in' with a new account, but it was the only reason they cited for denying my CLI.

In my case, I'm actually glad I didn't wait the entire 61-days, since it just started the 90-day wait for me to try again earlier than it would have been. (I'm fairly sure my results wouldn't have been any different had I waited another three weeks). I intend to try again when my 90 days is up, and if declined again I'll wait until around the holidays and try again. Since there's no HP there's no harm in trying.

Key take-away: Don't take the 3X-CLI for granted.

Re: American Express 3xcli before 61 days

Anonymous — Sat, 11 Jul 2015 04:15:40 GMT

Obtained 3x after looking for their routine soft pull and first statement. Went from 2500 to 7500. Carrying balance but paid down to 30% of total line before hitting the button. No lates on CRA with only 2 1/2 years of oldest and 6m AAoA.

Re: American Express 3xcli before 61 days

Anonymous — Sat, 11 Jul 2015 05:36:54 GMT

i apped for the edc and bce at the same time and when I received both cards a week apart I requested the 3x cli and was approved on both cards. My scores were over 690 at the time. 5 baddies on my cr.