topic Re: AMEX CLI Question in Credit Cards

AMEX CLI Question

luckydiva95 — Mon, 13 Jun 2022 00:16:23 GMT

Is there a certain spending pattern that AMEX prefers to qualify for Credit Line Increases? I spend $800 a month on my BCP and I make multiple payments a month.

Re: AMEX CLI Question

SoCalGardener — Mon, 13 Jun 2022 00:30:08 GMT

@luckydiva95 wrote:
Is there a certain spending pattern that AMEX prefers to qualify for Credit Line Increases? I spend $800 a month on my BCP and I make multiple payments a month.

Like everything credit-related, I'm sure there's no black-and-white answer. From my own experience, though, I can tell you that I recently got a $5,000 increase on my BCP, and I had been putting up to $3,000 a month on it. I never, ever make multiple payments per month, on any card, so I don't know how or if that factors in.

Re: AMEX CLI Question

GatorGuy — Mon, 13 Jun 2022 00:31:41 GMT

Spend alot and PIF

Re: AMEX CLI Question

bigseegar — Mon, 13 Jun 2022 11:47:16 GMT

@luckydiva95 wrote:
Is there a certain spending pattern that AMEX prefers to qualify for Credit Line Increases? I spend $800 a month on my BCP and I make multiple payments a month.

Like everything else with AmEx no one can say for sure. But as with any card issuer yes they want to see usage for sure so it can't do anything but help. Looking at your Sig Line though it says you already have a $10K limit on the card so I'm not sure a spend of only $800 a month against that Limit will make a whole lot of difference though. I also don't understand multiple payments in one month on such a low amount. Personally I only make one payment a month, several days before the Due Date and PIF and I have a lot large amounts across all 4 of my AmEx cards each month.

Re: AMEX CLI Question

PNWRambler — Mon, 13 Jun 2022 17:35:23 GMT

AmEx doesn't like people to carry a balance, so PIF is always good. I don't think it makes a difference if you do multiple payments in a month vs one large payment, but PIF or staying below 30% along with a lot of spending is going to be your best bet.

Re: AMEX CLI Question

Yasselife — Mon, 13 Jun 2022 18:25:49 GMT

I use 5% of its limit and seems to work well. I pay in full with 1 or multiple payments. @luckydiva95

Re: AMEX CLI Question

learningcredit54 — Mon, 13 Jun 2022 21:42:45 GMT

I too was wondering what the best method is. I received a BLUE CASH PREFERRED a few weeks back with a 1k limit. I put around 600 first month a PIF before statement and this second cycle planning on doing the same. This way I think I have better odds at doing a 3x CLI on day 61 of the card.

Re: AMEX CLI Question

OmarGB9 — Tue, 14 Jun 2022 00:48:55 GMT

@learningcredit54 wrote:
I too was wondering what the best method is. I received a BLUE CASH PREFERRED a few weeks back with a 1k limit. I put around 600 first month a PIF before statement and this second cycle planning on doing the same. This way I think I have better odds at doing a 3x CLI on day 61 of the card.

Temper expectations as far as even qualifying to ask for a CLI at 61 days. I got the same card, same limit, back in December, and had to wait nearly 6 months before even being *allowed* to ask for a CLI. It *was* granted, though, thankfully. But I didn't PIF. I've been leaving some balances on it since it's at 0% until Dec of this year.

Re: AMEX CLI Question

Mdowning30 — Tue, 14 Jun 2022 17:35:51 GMT

Because of those $1000 starting limits...

Re: AMEX CLI Question

collics — Tue, 14 Jun 2022 17:54:21 GMT

@OmarGB9 wrote:
@learningcredit54 wrote:
I too was wondering what the best method is. I received a BLUE CASH PREFERRED a few weeks back with a 1k limit. I put around 600 first month a PIF before statement and this second cycle planning on doing the same. This way I think I have better odds at doing a 3x CLI on day 61 of the card.
Temper expectations as far as even qualifying to ask for a CLI at 61 days. I got the same card, same limit, back in December, and had to wait nearly 6 months before even being *allowed* to ask for a CLI. It *was* granted, though, thankfully. But I didn't PIF. I've been leaving some balances on it since it's at 0% until Dec of this year.

Great dp, thanks.

Did you get 3x limit when they did grant the CLI?

Re: AMEX CLI Question

TRC_WA — Tue, 14 Jun 2022 18:10:36 GMT

@Mdowning30 wrote:
Because of those $1000 starting limits...

Yeah I never got a CLI on my previous $1k Delta Amex card because I didn't use it all that much beyond the initial SUB spend. I asked multiple times and always denied. That account was closed in 2017 prior to filing CH 13 and Amex just gave me the exact same card last month... only with a $10k limit.

Already ran $2k thru the card to get the 75k bonus miles... and now am working towards the $10k spend for the flight credit. The card is somewhat more useful now with 2x miles at restaurants and groceries but for me the biggest perk is the $10k limit. It's basically twice what I have on any other card and if this is Amex's way of getting me to put their card #1 on my list they've done a good job... because it is.

They're gonna love me now... lots of spend and PIF each month. Not gonna make multiple monthly payments... I don't see the point and agree with others in this thread who do the same. I'm anticipating $3k or so monthly spend... anyone have any idea if they'd ever give me CLI with low UTI across other cards in my profile?

Honestly I'm gonna wait a minimum of 120 days before even making an attempt (I've seen 60-90 being common but have also seen reports of up to 180?) but with $3k monthly usage on a $10k card can I expect a CLI?

Probably not eh?

LOL either way it's all good... they've already given me a 10x CLI along with a free flights worth of bonus miles... it just took 5+ years and 2 accounts to get there.

Moral of the story... don't burn Amex in a BK. Lots of useful info in this thread! Thanks all!

Re: AMEX CLI Question

OmarGB9 — Tue, 14 Jun 2022 22:00:03 GMT

@collics wrote:
@OmarGB9 wrote:
@learningcredit54 wrote:
I too was wondering what the best method is. I received a BLUE CASH PREFERRED a few weeks back with a 1k limit. I put around 600 first month a PIF before statement and this second cycle planning on doing the same. This way I think I have better odds at doing a 3x CLI on day 61 of the card.
Temper expectations as far as even qualifying to ask for a CLI at 61 days. I got the same card, same limit, back in December, and had to wait nearly 6 months before even being *allowed* to ask for a CLI. It *was* granted, though, thankfully. But I didn't PIF. I've been leaving some balances on it since it's at 0% until Dec of this year.
Great dp, thanks.

Did you get 3x limit when they did grant the CLI?

Yes

Re: AMEX CLI Question

luckydiva95 — Thu, 16 Jun 2022 23:00:20 GMT

No, I only requested what I thought I would get approved for. I opened the card in 2016.

Re: AMEX CLI Question

learningcredit54 — Thu, 16 Jun 2022 23:19:24 GMT

@OmarGB9you're right - 61 days might be a bit premature from my end. i guess its just wishful thinking. I noted that I dont even have the option to ask for the CLI on my personal card but I do see the option for my business card which has been open for 2 weeks less. Odd.

Either way I will without a doubt keep the forum upto date. 61 days on the personal will be July 8th so lets see how this post ages.

Re: AMEX CLI Question

HHH71 — Sun, 19 Jun 2022 03:28:00 GMT

I started with a Hilton Amex Card in 2019 with a $2,000 CL. After 180 days I asked for 3x and they did a 2x. Then another 180 I did get a 3x. Then I doubled that to $24,000 another 180 days later. I also Product Changed to the top Hilton card Aspire. During that time though I got the AMEX platinum card; I have only ever checked spending power with $50,000 and it was approved. I also got the Marriott Brilliant Bonvoy with a starting CL of $20,000. That one was just approved for a CLI of 2x to $40,000. I also have a Blue Cash Preferred that was an initial CL of $8,000. I've had that one a year and haven't bothered asking for a CLI yet.

In 2021 I put $155,000 on my Amex cards and Paid In Full every month before statements. I often pay on a card 5-6 times a month. So that behavior must not bother them.

So my AMEX journey over the last 3 years went from $2,000 to Credit limits across 3 cards of $72,000 plus the Platinum card which as I said earlier was approved for $50,000 when I checked spending power.

I love my AMEX cards and use the crap out of them. But I also travel for a living. I stay in Hotels over 200 nights a year and fly over 200 segments a year on American Airlines. I have the Citi World Elite American Airlines Master Card for that.

I also put a lot on Chase cards.

Good luck, I love AMEX, they have been very good to me.

Re: AMEX CLI Question

h2oeng — Sun, 19 Jun 2022 12:24:08 GMT

@learningcredit54 wrote:
This way I think I have better odds at doing a 3x CLI on day 61 of the card.

Don't get your hopes up to high on a CLI at 61 days. A lot of people lately (including me) didn't get it. Tried again at 90 and still didn't get it. I tried at 5 months and got it then though. This being said, I would try it at 61 days, you never know. FYI, seach the board for the CLI link for AMEX. I think it's been removed from their site but link in one of the posts was still active several months ago.

Re: AMEX CLI Question

Mistuhcee — Sat, 25 Jun 2022 14:27:16 GMT

I put about $500-$800 a month on my BCP. I got my card in Dec 20 with a $1k limit and got my first increase in Dec 21 for $3k. I asked again in March for 3x the limit and was approved for $9k and the same for June and was approved for $25k. I was scared to ask for over $25k😂. I know the consensus is every 181 days but it was every 92/93(took an extra few days to be safe) for me. Hopes this helps.

Re: AMEX CLI Question

OmarGB9 — Sat, 25 Jun 2022 15:35:35 GMT

@Mistuhcee wrote:
I put about $500-$800 a month on my BCP. I got my card in Dec 20 with a $1k limit and got my first increase in Dec 21 for $3k. I asked again in March for 3x the limit and was approved for $9k and the same for June and was approved for $25k. I was scared to ask for over $25k😂. I know the consensus is every 181 days but it was every 92/93(took an extra few days to be safe) for me. Hopes this helps.

Interesting you were able to ask and get approved for a CLI after only 90ish days.

Re: AMEX CLI Question

Mistuhcee — Sat, 25 Jun 2022 16:12:06 GMT

Yes but after having my card for a year. Three straight increases on Dec, Mar, and June. I went from 1k to 25k.

Re: AMEX CLI Question

learningcredit54 — Mon, 11 Jul 2022 02:10:25 GMT

Sooo just to update on forum I have passed my 61 days with my Personal Amex Blue Cash Preferred BUT the CLI is currently not an option for me. I decided to try my luck on the Amex Blue Business which although opened just shy of 61 days has the CLI option. However upon pulling the trigger eas denied. I may try and reach out to see the real reason as the message below makes no sense. All my cards are reporting 0.00 (all paid in full)

We made this decision for the following reason(s):
We estimate that the average monthly payments being made on your credit card account(s)
are low in relation to their outstanding balance(s), as indicated in your credit report.