topic Re: Never saw this Amex credit line increase button and response before in Credit Cards

Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 14:50:46 GMT

I was just logging in to make sure that a payment went through on my SPG card and below Balance & Credit Details there was a big blue Increase Your Credit Limit button. I have never seen this before and it doesn't show on my other revolvers. I clicked on it just to see what would happen (I just got a $4500 CLI last week), and got the following message:

Our records indicate a request for a line of credit increase has already been submitted, and is currently being processed or that the line of credit on your account was increased within the last 30 days. Your account is not eligible for a new request at this time. Please call...

Has anyone else seen this? When I clicked, it went straight to that message without asking me to fill in the usual "Increase Line of Credit to this amount:" and "Total Annual Income:" boxes. The 30 day language above has me puzzled. Does this mean that if you're targeted for a CLI with this button that it bypasses the 180 day rule? I know the usual policy hasn't changed because I tried for the CLI a few days early before getting one last week, and earlier this week I got the letter for that request in the mail that stated the 180 day policy. Screencaps below. (The button reversed to blue text on white when I clicked back.)

Re: Never saw this Amex credit line increase button and response before

simplynoir — Thu, 03 Aug 2017 15:05:31 GMT

Interesting. I made a payment this morning on my BCE and didn't notice anything like this so I just double checked right now and I don't see that at all on my account. And like you that language right there is very interesting; wondering if it's something new they introduced that they're still fixing the bugs/errors out for. Something to keep on eye on for sure.

Re: Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 15:20:33 GMT

I'm wondering if it's just a targeted offer since I've run around $25k through it since opening it a few months back, but the algorithm that shows that button hasn't caught on to the recent CLI yet? I swear that button was not there yesterday.

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:20:55 GMT

Fascinating! My SPG Business card has the same link, but my other revolver doesn't.

I sincerely doubt I should click this; I haven't even made a payment to this account yet!

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:26:39 GMT

Well, I've got a little temporary information that is subject to change. I'll update if the button comes back!

My SPG is a legit business card for a construction project that is in its final phase. Fully capitalized, so I can treat it like a charge card and pay anytime I choose. I went ahead and paid the total balance (40% util) and the button went away immediately. Per AMEX CS as of a few weeks ago, this card isn't eligible for a CLI until the 23rd of August. Seems like they didn't program the complete logic and it is a simple tripwire set off by moderate utilization.

Re: Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 15:27:11 GMT

climbfire, you have to take one for the team and click it!

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:28:13 GMT

I was totally going to, right after I paid the balance. Rookie mistake!

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:34:08 GMT

Love how Amex added "This wasn't here before" to draw your attention to it!

Re: Never saw this Amex credit line increase button and response before

simplynoir — Thu, 03 Aug 2017 15:35:39 GMT

I'm wondering what triggers its appearance and disappearance then. I haven't requested a CLI on my card in 2 years not because I wouldn't be able to get one but because $18,000 is more than enough for me and my family's needs. Though have been thinking on seeing how far I can push AMEX for in a few months; I know I can get a CLI with my avg $2-3k spend a month. So you figure it'll at least have some sort of prompt for me to ask for one lol but who knows my guess it's still working out the kinks on something they want to add to their online accounts in the near future without having to navigate the menus to ask for one.

Re: Never saw this Amex credit line increase button and response before

simplynoir — Thu, 03 Aug 2017 15:36:43 GMT

@Anonymous wrote:
Love how Amex added "This wasn't here before" to draw your attention to it!

Pretty sure that was his own edit to point it out in case we missed it lol.

Re: Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 15:37:40 GMT

The plot thickens! So mine seems to have appeared today as the previous statement balance was paid, rather than disappeared. I suppose for data points, I was at 30% util when my last statement closed (and 25-50% for the couple of statements since opening), about 45% last night mid-cycle, and about 22% now not counting pending transactions.

Re: Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 15:39:58 GMT

@simplynoir wrote:
@Anonymous wrote:
Love how Amex added "This wasn't here before" to draw your attention to it!
Pretty sure that was his own edit to point it out in case we missed it lol.

No, that was why I noticed it to begin with. Thought the different font looked really out of place.

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:43:04 GMT

@K-in-Boston wrote:
@simplynoir wrote:
@Anonymous wrote:
Love how Amex added "This wasn't here before" to draw your attention to it!
Pretty sure that was his own edit to point it out in case we missed it lol.
No, that was why I noticed it to begin with. Thought the different font looked really out of place.

It was obviously by design.

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 15:43:05 GMT

I'll update if it comes back in the next few days. I suppose it may wait until they've actually pulled the money out of my account or until I move back out of a zero balance. I need to order some equipment, so I could get to 40% again in an hour.

Re: Never saw this Amex credit line increase button and response before

mkhan1093 — Thu, 03 Aug 2017 15:44:46 GMT

I had noticed this button yesterday on my SPG as well, but assumed it was just an update to their website. Since it is my only revolver, I didn't have anything to compare it to. My other Amex cards are charge cards and thus would not have this button. When I clicked it, it simply took to me to the normal page where you're allowed to enter the new amount you want. I thought it was no big deal but I guess it's caused quite a stir!

Re: Never saw this Amex credit line increase button and response before

K-in-Boston — Thu, 03 Aug 2017 15:54:26 GMT

mkhan1093 thanks for the DP on what happens when you click it. I would go with design change being rolled out to SPG holders first if it weren't for it disappearing on climbfire. The 30
day language is what really has me curious.

Re: Never saw this Amex credit line increase button and response before

luxeprw9 — Thu, 03 Aug 2017 16:18:46 GMT

@K-in-Boston wrote:
mkhan1093 thanks for the DP on what happens when you click it. I would go with design change being rolled out to SPG holders first if it weren't for it disappearing on climbfire. The 30
day language is what really has me curious.

I have it on my new Mercedes Benz card but not on my older Everyday card.

I did not click for 3 reasons:

1. My Mercedes card is just a month old

2. My credit score recently dropped because of an auto refinance

3. I have a reporting BK13 and not qualified for an increase, per previous attempts on the Everyday card

So it's not just the SPG card. Hope my datapoint helps!

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 17:04:30 GMT

I have it on my ED but not my SPG......my ED is a week older than my SPG.

Who's going to click it? 😳 Maybe AMEX is telling us it will be approved.......

Re: Never saw this Amex credit line increase button and response before

Crazy4sc — Thu, 03 Aug 2017 17:36:58 GMT

I have it on my BCE card. I just got a 3000.00 auto increase 2 days ago. Should I push it & see what happens? I have only had 1 increase in the 2 yrs I had the card & that was 1 1/2 yrs ago .

Re: Never saw this Amex credit line increase button and response before

Anonymous — Thu, 03 Aug 2017 17:41:02 GMT

Yes! Do it! Let us know the results 😀