topic Re: Amex BCP Auto-CLI? in Credit Cards

Amex BCP Auto-CLI?

TGG_1976 — Thu, 14 Jan 2021 00:56:07 GMT

Hello y'all

Just a question out of curiosity ... a coworker and friend of mine got the Amex BCP about 2 years ago, about the same time that I did. The other day when we were talking, she proudly shared that Amex already auto-increased her credit line 3 times in the past two years. I smiled and nodded but was wondering if that is even a thing? Aren't we talking here about that we have to hit the Amex LUV button to get an increase? Or are there indeed auto-CLIs out there? Just trying to understand if I am being fooled with or if the story is real. Thanks!

Re: Amex BCP Auto-CLI?

Remedios — Thu, 14 Jan 2021 01:13:25 GMT

I got an auto CLI from Amex. I've never asked for one.

As to why you don't hear about auto CLIs with Amex... it's because they aren't given a chance since people mark down intervals at which they can ask on their calendars.

In a real world, they happen. Here, CLI requests are made by consumers at 12:01 A.M when one becomes eligible.

Re: Amex BCP Auto-CLI?

Anonymous — Thu, 14 Jan 2021 01:15:36 GMT

What has her spend been relative to her limit? If it has been heavy for the majority of those 2 years, I don't see multiple auto-CLIs as being an outrageous claim.

Re: Amex BCP Auto-CLI?

coldfusion — Thu, 14 Jan 2021 01:31:51 GMT

@Remedios wrote:
I got an auto CLI from Amex.

That made me laugh.

Re: Amex BCP Auto-CLI?

TGG_1976 — Thu, 14 Jan 2021 02:08:06 GMT

@Anonymous Good question. I know she is not in the super high credit score range, frankly, the only reason she got the card to begin with, is because our company has an agreement with Amex that all employees are pre-approved for the BCP and Gold. Either way, good to know! Glad to have this board when random questions occupy our minds

Thanks!

Re: Amex BCP Auto-CLI?

Anonymous — Thu, 14 Jan 2021 02:12:38 GMT

@TGG_1976 wrote:
Hello y'all

Just a question out of curiosity ... a coworker and friend of mine got the Amex BCP about 2 years ago, about the same time that I did. The other day when we were talking, she proudly shared that Amex already auto-increased her credit line 3 times in the past two years. I smiled and nodded but was wondering if that is even a thing? Aren't we talking here about that we have to hit the Amex LUV button to get an increase? Or are there indeed auto-CLIs out there? Just trying to understand if I am being fooled with or if the story is real. Thanks!

If you have friends who you worry might be fooling with you by making up stories about CLIs that didn't happen, well, then you should...., actually no good advice!

Re: Amex BCP Auto-CLI?

K-in-Boston — Thu, 14 Jan 2021 04:34:07 GMT

@Remedios wrote:
I got an auto CLI from Amex. I've never asked for one.

As to why you don't hear about auto CLIs with Amex... it's because they aren't given a chance since people mark down intervals at which they can ask on their calendars.

In a real world, they happen. Here, CLI requests are made by consumers at 12:01 A.M when one becomes eligible.

+1 and 9:01 PM Pacific.

Re: Amex BCP Auto-CLI?

Remedios — Thu, 14 Jan 2021 04:41:22 GMT

Where is that button, anyway?

I cannot find it in the app

Re: Amex BCP Auto-CLI?

Andypanda — Thu, 14 Jan 2021 05:19:24 GMT

@K-in-Boston wrote:
@Remedios wrote:
I got an auto CLI from Amex. I've never asked for one.

As to why you don't hear about auto CLIs with Amex... it's because they aren't given a chance since people mark down intervals at which they can ask on their calendars.

In a real world, they happen. Here, CLI requests are made by consumers at 12:01 A.M when one becomes eligible.
+1 and 9:01 PM Pacific.

When i went for my first cli on my then bce(upgraded to bcp since then) inhit the lub button at 9;01 pacific time, no luck, got the cli at 12:01 pacific time.