topic Re: AMEX 181 Day Auto CLI? in Credit Cards

AMEX 181 Day Auto CLI?

Anonymous — Sat, 19 Jan 2019 04:18:15 GMT

Ok, I thought I would ask the question before doing anything. I have read on the forum that AMEX is like CLOCKWORK, does an Auto CLI at 181 days or is it you can request a CLI at 181 days? Currently, I have the AMEX Delta Gold and AMEX Everyday both at $1k... I would love a bump on the CL for my AMEX Everyday as it's at 189 days and not seen any movement...

Any guidance would be appreciated...

Re: AMEX 181 Day Auto CLI?

PointsBonus — Sat, 19 Jan 2019 05:03:40 GMT

It is not automatic. I recommend you requesting it. It does not hurt and you do not get a hard inquiry.

Re: AMEX 181 Day Auto CLI?

Anonymous — Sat, 19 Jan 2019 05:20:53 GMT

@PointsBonus wrote:
It is not automatic. I recommend you requesting it. It does not hurt and you do not get a hard inquiry.

Thanks... Any idea on an amount that might get approved... On $1k now

Re: AMEX 181 Day Auto CLI?

Brian_Earl_Spilner — Sat, 19 Jan 2019 05:45:58 GMT

Probably only 2x the limit. 3x every 181 after that.

Re: AMEX 181 Day Auto CLI?

Anonymous — Sat, 19 Jan 2019 09:16:08 GMT

I got my first auto cli at around the first year mark. It was around 3X (from 3k to 9k)....but I was putting pretty consistent spend on the card of over $500 a month during that time.

Re: AMEX 181 Day Auto CLI?

CreditInspired — Sat, 19 Jan 2019 11:49:31 GMT

OP
I would ask for $3K, especially if you hadn’t asked for anything at your 61-day mark and your scores have remained the same or increased.

Keeping my fingers crossed.

Re: AMEX 181 Day Auto CLI?

AverageJoesCredit — Sat, 19 Jan 2019 12:02:35 GMT

No autos unless you are super lucky. 3x is always recommended when you ask, unless you already have super high limit. They usually give it or counter if you are eligble to receive one.

Re: AMEX 181 Day Auto CLI?

Anonymous — Sat, 19 Jan 2019 15:12:05 GMT

@Anonymous wrote:
Ok, I thought I would ask the question before doing anything. I have read on the forum that AMEX is like CLOCKWORK, does an Auto CLI at 181 days or is it you can request a CLI at 181 days? Currently, I have the AMEX Delta Gold and AMEX Everyday both at $1k... I would love a bump on the CL for my AMEX Everyday as it's at 189 days and not seen any movement...

Any guidance would be appreciated...

American Express CLIs are not automatic and they are also not like "clockwork." You are eligible to request a CLI every 180 days but they can, and occassionally are, denied if Amex thinks your current credit line is sufficient. The maximum CLI Amex will increase is 3X your current limit. Also note that you can only apply for an increase on one card every 180 days.

Re: AMEX 181 Day Auto CLI?

Anonymous — Mon, 21 Jan 2019 23:46:37 GMT

Hold up. You can request a CLI from AmEx after 60 days?

Re: AMEX 181 Day Auto CLI?

simplynoir — Tue, 22 Jan 2019 00:04:04 GMT

@Anonymous wrote:
Hold up. You can request a CLI from AmEx after 60 days?

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

Re: AMEX 181 Day Auto CLI?

Anonymous — Tue, 22 Jan 2019 00:33:56 GMT

Many thanks, simplynoir! Just got my 3X bump!

Re: AMEX 181 Day Auto CLI?

simplynoir — Tue, 22 Jan 2019 02:19:02 GMT

@Anonymous wrote:
Many thanks, simplynoir! Just got my 3X bump!

Happy to help!