topic Re: AMEX BCP CLI Advice in Credit Cards

AMEX BCP CLI Advice

AirPodMax — Mon, 21 Apr 2025 04:29:16 GMT

Hello, gang!

I wanted some advice regarding my AMEX BCP. It's my newest card, and although I was excited when they accepted my application, I was let down with the SL they gave me. A whopping $1,000. This is by far my lowest limit, and I'd like to work it up over the next couple of years.

I will attempt my first CLI at the 91-day mark, but I was curious if with such a low SL, if I should still only aim for $3,000 following the 3X rule. Have any of you had a low SL with this card and shot for the moon on your first CLI with any success?

Annual income sits around $130,000, with the balance across all of my cards being paid in full each month, with exception to one which is my AZEO card.

Re: AMEX BCP CLI Advice

GZG — Mon, 21 Apr 2025 04:33:41 GMT

@AirPodMax wrote:
Hello, gang!

I wanted some advice regarding my AMEX BCP. It's my newest card, and although I was excited when they accepted my application, I was let down with the SL they gave me. A whopping $1,000. This is by far my lowest limit, and I'd like to work it up over the next couple of years.

I will attempt my first CLI at the 91-day mark, but I was curious if with such a low SL, if I should still only aim for $3,000 following the 3X rule. Have any of you had a low SL with this card and shot for the moon on your first CLI with any success?

Annual income sits around $130,000, with the balance across all of my cards being paid in full each month, with exception to one which is my AZEO card.

I recently saw somebody go $1k - $5k, so I'd probably go $5k if the profile fits, which yours appears to fit

Re: AMEX BCP CLI Advice

Varsity_Lu — Mon, 21 Apr 2025 10:25:16 GMT

@AirPodMax

$1k -> $3k -> $9k -> $27k is very common in the first year of an AmEx card. There are lots of threads with numbers like this on MF. I went from $2k -> $6k -> $12k in 9 months, but I don't know about the 3x rule at the time. I was denied $25k at one year because I had recently been approved for a $25k Hilton card and they were not willing to extend $50k total to me. Oh well. I'm happy with $37k considering I've only been an AmEx member 13 months.

Re: AMEX BCP CLI Advice

PayAndProsper — Mon, 21 Apr 2025 13:52:43 GMT

I'm going to basically, re-use a response I gave in another, very similar post. Just go for it. They may allow you beyond your 3x; but, they may counter and only give you 3x (or whatever they are comfortable with). I had, at one point, tried to get a CLI to $19,000 from $6,000. They countered with $18,000.

My advice is that you just spend normally, pay your statements in full, and request every 91 days. Here's a link showing the first CLIs I received on my AmEx BCE. American Express has consistently been very generous to people. Tripling up allows you to get away from toy limit territory very quickly, if that is a goal of yours.

@PayAndProsper escribió:
I opened my AmEx BCE August 23 with a $2,000 SL, requested and received my first 3x CLI to $6,000 102 days later on December 3, and requested a CLI to $19,000 96 days later on March 8, which was partially approved in the amount of $18,000, another 3x.

I got an instant CLI from $18,000 to $35,000 on June 24, 2024 that I do not believe I posted about on the forums. After that, I did not need any more, so I have not requested any more CLIs from them.

All in all, the card went from $2,000 to $35,000 in less than a year with light usage and recently has become my card with the lowest APR amongst all of my major bank-issued credit cards @ 16.99% (Prime + 9.49%).

Re: AMEX BCP CLI Advice

AirPodMax — Tue, 22 Apr 2025 03:34:21 GMT

@Varsity_Lu wrote:
@AirPodMax

$1k -> $3k -> $9k -> $27k is very common in the first year of an AmEx card. There are lots of threads with numbers like this on MF. I went from $2k -> $6k -> $12k in 9 months, but I don't know about the 3x rule at the time. I was denied $25k at one year because I had recently been approved for a $25k Hilton card and they were not willing to extend $50k total to me. Oh well. I'm happy with $37k considering I've only been an AmEx member 13 months.

Awesome info, thank you very much!! Goal is to crack $100k total revolving credit by end of year, I think this card will help me accomplish that if I can hit the 1>3>9>27 stride!

Re: AMEX BCP CLI Advice

mgood — Tue, 22 Apr 2025 15:29:55 GMT

@AirPodMax wrote:
Hello, gang!

I wanted some advice regarding my AMEX BCP. It's my newest card, and although I was excited when they accepted my application, I was let down with the SL they gave me. A whopping $1,000. This is by far my lowest limit, and I'd like to work it up over the next couple of years.

I will attempt my first CLI at the 91-day mark, but I was curious if with such a low SL, if I should still only aim for $3,000 following the 3X rule. Have any of you had a low SL with this card and shot for the moon on your first CLI with any success?

I was at little insulted when they approved me for only $1k.

When I was able to request a CLI, I asked for 9k, a 9x increase.

It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

When the time came again, I asked for 3x and was instantly approved. 3k was still my lowest CL, but ok.

91 days later, I was able to make another request. Asked for 9k and got that 3x. This is a respectable limit for me, but nothing great.

91 more days, I asked for 3x, got 27k, my highest CL!

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-3x-Again/td-p/6819765

Re: AMEX BCP CLI Advice

AirPodMax — Tue, 22 Apr 2025 23:00:01 GMT

@mgood wrote:

When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.

Re: AMEX BCP CLI Advice

mgood — Wed, 23 Apr 2025 01:35:00 GMT

@AirPodMax wrote:
@mgood wrote:
When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.

But still grew from 1k to 27k in about a year even with that goof.

4/12/24 SL $1k

10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)

01/19/25 x3 $9k (91 days)

04/20/25 x3 $27k (91 days)

And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.

Re: AMEX BCP CLI Advice

PayAndProsper — Wed, 23 Apr 2025 05:39:02 GMT

@mgood escribió:
@AirPodMax wrote:
@mgood wrote:
When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)

And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.

I think this is likely. In my experience, I was rejected and countered to 3x when I asked for more ($19,000 from $6,000 and ended up being granted $18,000). So, at worst, it's a YMMV situation.

Re: AMEX BCP CLI Advice

cabledude27 — Mon, 28 Apr 2025 17:57:02 GMT

I'm in a similar spot with this card and the CL. I was approved for BCP, and it was one of my first credit cards after my Chapter 13 discharge. They started me out with a $1,000 limit. I got the Platinum 2 months later, after the income review. However, I've been unable to get them to increase it since their denial response was always due to a bankruptcy on my credit reports. Still, they approved me for this BCP, Platinum, and most recently the Delta Reserve for $ 4,400 with the same BK showing, so it didn't make any sense. My utilization rate is typically 10-11% on three other cards; however, I spend about $ 3,000-$3,500 a month across all of them and pay off my American Express cards each month, rarely carrying a balance with them, and have a higher income.

My BK is finally off my CR's now, and I'm due to request a CLI on May 8th, so I'm anxious to see what happens this time when I ask.

Re: AMEX BCP CLI Advice

AirPodMax — Tue, 29 Apr 2025 02:49:36 GMT

Best of luck on the 8th! Happy to hear that BK stain will be falling off your report, that will be a great feeling!

Re: AMEX BCP CLI Advice

cabledude27 — Thu, 08 May 2025 18:18:36 GMT

Having the BK finally off my CR helped, as I requested my CLI today after the required 90-day wait, and BOOM, it was bumped up to $3k. I thought I should have asked for more, but I'll take this!

Re: AMEX BCP CLI Advice

Gregory1776 — Fri, 09 May 2025 03:44:25 GMT

@mgood wrote:
@AirPodMax wrote:
@mgood wrote:
When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)

And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.

I'm spending hours a day here out of sheer boredom of my life and I didn't know you could get approved for another CLI if you got approved for one in the previous 6 months.

is this a rarity? 😐

Re: AMEX BCP CLI Advice

Gregory1776 — Fri, 09 May 2025 03:47:17 GMT

@cabledude27 wrote:
I'm in a similar spot with this card and the CL. I was approved for BCP, and it was one of my first credit cards after my Chapter 13 discharge. They started me out with a $1,000 limit. I got the Platinum 2 months later, after the income review. However, I've been unable to get them to increase it since their denial response was always due to a bankruptcy on my credit reports. Still, they approved me for this BCP, Platinum, and most recently the Delta Reserve for $ 4,400 with the same BK showing, so it didn't make any sense. My utilization rate is typically 10-11% on three other cards; however, I spend about $ 3,000-$3,500 a month across all of them and pay off my American Express cards each month, rarely carrying a balance with them, and have a higher income.

My BK is finally off my CR's now, and I'm due to request a CLI on May 8th, so I'm anxious to see what happens this time when I ask.

Now I'm excited for you.

Re: AMEX BCP CLI Advice

dfwxjer — Fri, 09 May 2025 16:36:16 GMT

@Gregory1776 wrote:
@mgood wrote:
@AirPodMax wrote:
@mgood wrote:
When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)

And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.
I'm spending hours a day here out of sheer boredom of my life and I didn't know you could get approved for another CLI if you got approved for one in the previous 6 months.

is this a rarity? 😐

With Amex you can request a CLI every 91 days. The fairly reliable method to grow an Amex caard is to request a 3x increase every 91 days until you get to the max of what they're comfortable offering. It's not guaranteed but a lot of users report success stories with this method.

Re: AMEX BCP CLI Advice

Gregory1776 — Fri, 09 May 2025 16:55:09 GMT

@dfwxjer

And here I was waiting 6 months after my last approval.

Re: AMEX BCP CLI Advice

Thestickybandit — Tue, 27 May 2025 17:06:35 GMT

good Info!! I'm about to approach my 91 Day mark on Delta reserve and gold. Any info on FR being triggered if asking for over 3x ?

Re: AMEX BCP CLI Advice

JSUB — Tue, 27 May 2025 21:27:27 GMT

good Info!! I'm about to approach my 91 Day mark on Delta reserve and gold. Any info on FR being triggered if asking for over 3x ?

That's the answer I'm looking for too. I got the BCP this past March 8th for a disappointing CL of 2K. I've put over a thousand in spend each month including this upcoming 3rd statement. I want to know what the chances of me requesting 7 or 8 thousand for my CLI in June.

Re: AMEX BCP CLI Advice

mgood — Wed, 28 May 2025 04:32:54 GMT

@Gregory1776 wrote:
@mgood wrote:
@AirPodMax wrote:
@mgood wrote:
When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!

This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)

And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.
I'm spending hours a day here out of sheer boredom of my life and I didn't know you could get approved for another CLI if you got approved for one in the previous 6 months.

is this a rarity? 😐

I think 91 days is fairly standard.

When you try to make a CLI request online, if it's too soon, they won't even process it and it'll tell you. You can check every day if you want, it won't hurt anything.
Some people get them in less time than that. Some people have had to wait 181 days. But 91 days seems to be the norm.

@Thestickybandit wrote:
good Info!! I'm about to approach my 91 Day mark on Delta reserve and gold. Any info on FR being triggered if asking for over 3x ?

I haven't heard of it triggering a FR.
I think if you ask for more than they'll give, they usually counter-offer a lower amount. In my case they just flat-out denied me the first time.

@JSUB wrote:
That's the answer I'm looking for too. I got the BCP this past March 8th for a disappointing CL of 2K. I've put over a thousand in spend each month including this upcoming 3rd statement. I want to know what the chances of me requesting 7 or 8 thousand for my CLI in June.

You probably have an excellent chance of getting 6k and almost zero chance of getting more than that from what I've seen.

(And depending on your profile, you probably have a pretty good chance of turning that into 18k another 91 days after that.)

Re: AMEX BCP CLI Advice

DebbsSeattle — Wed, 28 May 2025 05:04:48 GMT

Had this Amex since 2018. My credit is perfect with exception of having acquired a lot of outstanding debt. Zero zilch nada derogatory. I had a $10k limit. They got spooked at the level of my debt and bopped me back to $1k. I have been paying it all off at a fast clip since last fall and hitting the credit limit increase buttons every chance I get. I have requested 3x every time. They took me from $1k > $2k > $4k > $12k last week. I have a timer set on my cli requests. Since I have great income and a clean report and my only obstacle is debt outstanding, I have no doubt that I will reach the max limit possible for my income in no time at all. I have great rewards cards, but this one really is my favorite and I use it all the time. Even with a $95 annual fee ti pays to use this card...So far my benefit year (Jan-Dec) and I have made $375'ish in cash back. Amex is a card that will take care of you if you take care of them.

@AirPodMax wrote:
Hello, gang!

I wanted some advice regarding my AMEX BCP. It's my newest card, and although I was excited when they accepted my application, I was let down with the SL they gave me. A whopping $1,000. This is by far my lowest limit, and I'd like to work it up over the next couple of years.

I will attempt my first CLI at the 91-day mark, but I was curious if with such a low SL, if I should still only aim for $3,000 following the 3X rule. Have any of you had a low SL with this card and shot for the moon on your first CLI with any success?

Annual income sits around $130,000, with the balance across all of my cards being paid in full each month, with exception to one which is my AZEO card.