topic Re: Amex FYI for those with low SLs in Credit Cards

Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 17:31:05 GMT

Just an FYI for those that started out with low limits. My hubby has had his card since 12/17, always denied for CLI.

Today we contacted them as his fifth statement cut and still no increase. I mentioned the welcome email that stated the "steps" in which he would get an increase. I honestly don't remember this email, but apparently it was in fact the case.

They researched and stated he did meet one requirement, you must use the card all five months consecutively. Yes our bad we apparently didn't use the card in February. The CSR tried to say he only used it in March and May which was completely false as I had all his statemen's pulled up on my tablet!!!! She said well I don't see that what???. His cellphone started billing in March, we got gas in January and yes missed Feb which is completely our fault.

So this is just a heads up to anyone make sure you use card every month, even if it's for a coffee or gum. Lesson learned 😯

Re: Amex FYI for those with low SLs

tcbofade — Tue, 19 Jun 2018 17:50:57 GMT

Thank you for sharing... DW is in a similar relationship with Amex and we're not terribly impressed.

She's still got some zero percent intro time left, but it's paid off and sock drawered... I doubt it will get much more use.

Re: Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 17:56:19 GMT

Yes we have not been impressed much either. He has a hilton 1000SL as well and that is in .SD, so I know we aren't seeing an increase there😕

Re: Amex FYI for those with low SLs

UncleB — Tue, 19 Jun 2018 18:01:58 GMT

Don't give up completely... for the last three years I've been stating how I could only get auto-CLIs from Amex, but just a few days back they approved my first ever user-requested CLI. It was modest (I only asked for $2500 since I was "sure" it would be declined anyway) but I'm finally out of the doghouse.

Keeping in mind that my own card started out with a $1000 limit I'm proof that they can grow, even if you burned them in the past (not saying that's the case here, but it was with me). It might take pumping some usage through it and a little patience, though.

Re: Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 18:17:36 GMT

@UncleB wrote:
Don't give up completely... for the last three years I've been stating how I could only get auto-CLIs from Amex, but just a few days back they approved my first ever user-requested CLI. It was modest (I only asked for $2500 since I was "sure" it would be declined anyway) but I'm finally out of the doghouse.

Keeping in mind that my own card started out with a $1000 limit I'm proof that they can grow, even if you burned them in the past (not saying that's the case here, but it was with me). It might take pumping some usage through it and a little patience, though.

Thanks @UncleB. Yes we did burn them 13 years ago so I am completely happy we got back in, it just sometimes frustrating how the CSR handles things, I have 2 very recent experiences and was not impressed.

I know I have be patient but sometimes like to vent 😉

Re: Amex FYI for those with low SLs

Anonymous — Tue, 19 Jun 2018 18:31:15 GMT

Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

Re: Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 18:34:40 GMT

@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

Denied at 61 and denied at 181.

Re: Amex FYI for those with low SLs

UncleB — Tue, 19 Jun 2018 18:35:16 GMT

@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

For those of us (like myself) with negative past history with Amex the stuff in the 3X guide often doesn't apply.

Re: Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 18:36:47 GMT

@UncleB wrote:
@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?
For those of us (like myself) with negative past history with Amex the stuff in the 3X guide often doesn't apply.

Oh yes this happened to both of ours. That is not always a gimme

Re: Amex FYI for those with low SLs

AverageJoesCredit — Tue, 19 Jun 2018 19:03:33 GMT

I've only gotten 1 3x. The rest have been like 1x lol

Re: Amex FYI for those with low SLs

Anonymous — Tue, 19 Jun 2018 19:10:44 GMT

Okay.

I got a low SL with Delta Skymiles this month. But as I was late less than 6 months ago on my Green card, so it was a surprise to get approved at all. I'm just looking for data points: are we assuming the low SL is because of the previous burn and that's causing the CLI requests to be denied?

Re: Amex FYI for those with low SLs

Anonymous — Tue, 19 Jun 2018 19:27:07 GMT

Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!

Re: Amex FYI for those with low SLs

MakingProgress — Tue, 19 Jun 2018 20:08:44 GMT

@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

Sounds like he is in the Amex version of credit steps. I doubt you can get a 3x at day 61 in that program.

Re: Amex FYI for those with low SLs

NRB525 — Tue, 19 Jun 2018 20:28:47 GMT

OP thanks for the data. What are DH cards list?
To clarify, is there any past negatives directly with AMEX?

I got a $2k first card in 2013. Have used AMEX consistently on a mix of their cards since then. Over time, the limits will increase, even UncleB got a CLI ( congrats for the patience )

Re: Amex FYI for those with low SLs

Jnbmom — Tue, 19 Jun 2018 20:56:28 GMT

Yes he is in credit steps hence this post.
We included amex in BK 2005.
Fico scores around 695
Available credit 45k
Utilization 8%

Re: Amex FYI for those with low SLs

Anonymous — Tue, 19 Jun 2018 23:24:36 GMT

My 5th statement just cut on Sunday. My sl was 500 with no sub and no 0% interest period. My score when I appd was ex 654 I had a couple of late payments about 8 months before I applied. I didn’t get the 3x cli at 61 days even though I only asked for 500. I’ve run about 750 a month through the card paying twice a month and never leaving a balance since I have gotten it.

Im interested to see if I get an increase this month or next.

I think I’m out of their steps program because I applied for the magnet last week and was approved for 5k sl.

Re: Amex FYI for those with low SLs

drboxing — Wed, 20 Jun 2018 00:11:41 GMT

Thanks so much, this explains why I keep getting denied as well. Thanks again for sharing

Re: Amex FYI for those with low SLs

AverageJoesCredit — Wed, 20 Jun 2018 00:41:02 GMT

@MakingProgress wrote:
@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?
Sounds like he is in the Amex version of credit steps. I doubt you can get a 3x at day 61 in that program.

Hard but not impossible . It has been done.

Re: Amex FYI for those with low SLs

sdsoccerdad — Wed, 20 Jun 2018 01:09:25 GMT

@Anonymous wrote:
Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!

What were your scores when you first got the card and after you received your latest increase?

Re: Amex FYI for those with low SLs

Anonymous — Wed, 20 Jun 2018 01:19:08 GMT

I believe my scores were mid to high 600s when I first got the BCE and my scores were in the 720s when I asked for the CLI that got me 20K. My balance on the card was $0 at the time if that helps

@sdsoccerdad wrote:
@Anonymous wrote:
Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!
What were your scores when you first got the card and after you received your latest increase?