topic Re: How Long for AMEX to Auto CLI? in Credit Cards

How Long for AMEX to Auto CLI?

tpatterson2k9 — Sat, 07 Jan 2012 20:06:40 GMT

Call it being stubborn, but I would much rather wait for AMEX to automatically increase my CL on my Blue Cash Everyday card (got the card back in April of last year) than request the CLI myself. This card was the start of my relationship with AMEX so it is my only card with them (I have three others with different banks). Can anyone chime in who is in a similar situation as to how long it took you to get your first auto CLI from AMEX?

Re: How Long for AMEX to Auto CLI?

Anonymous — Sat, 07 Jan 2012 22:06:28 GMT

Unfortuantely, I cannot provide an answer for you on this question...HOWEVER...I can tell you what my experience has been. I've been a member for 7 years and have never gotten auto CLI. One time I called and they asked me if I wanted to request increase, second time was initiated via website. You can request increase over phone or online without even talking to someone, and no hard pulls...no brainer!

Re: How Long for AMEX to Auto CLI?

Anonymous — Sat, 07 Jan 2012 22:51:05 GMT

I've had an Amex card since July of '08 with good payment history. I haven't received any increase.

Re: How Long for AMEX to Auto CLI?

tntexans72 — Sat, 07 Jan 2012 23:14:39 GMT

Have you been using the card? What is your CL?

I would imagine if you max the card out a couple of times a month and PIF each time before statement hit, they may auto CLI.

If the card say have $5k and you spend about $1k per month and PIF...I don't see why they would auto CLI you.

Besides, why wait when their policy said you can request a CLI every 6 months? Just saying........but I am curious to know too! Although I will be hitting the CLI button every 6 months on both my cards til it hit $24,999K CL

And that will be by the end of this yr.

Re: How Long for AMEX to Auto CLI?

steve23111 — Sun, 08 Jan 2012 00:52:27 GMT

Once upon a time, AMEX would automatically CLI on the original Blue cards. I had one in 2000 and started with around a $1000 limit, working my way up to $5000 with periodic auto-CLI's. That was a long time ago, and I do not believe they still do this on any cards.

Re: How Long for AMEX to Auto CLI?

CS800 — Sun, 08 Jan 2012 01:07:20 GMT

Technically, one can start asking for CLI 61 days from activation then after than every 6 months.

Re: How Long for AMEX to Auto CLI?

Creditaddict — Sun, 08 Jan 2012 02:51:27 GMT

I wouldn't wait... no point really, it's different if you are talking about a Chase card where if you request it's going to be a Hard Pull vs auto it's not a pull... but we are talking about AMEX, it's never a hard and you can request 3x limit... don't sit around and wait, do it yourself, it's instant, if denied, go back next month and do it again!

Re: How Long for AMEX to Auto CLI?

CS800 — Sun, 08 Jan 2012 02:57:51 GMT

@Creditaddict wrote:
I wouldn't wait... no point really, it's different if you are talking about a Chase card where if you request it's going to be a Hard Pull vs auto it's not a pull... but we are talking about AMEX, it's never a hard and you can request 3x limit... don't sit around and wait, do it yourself, it's instant, if denied, go back next month and do it again!

I thought if you get denied you should wait 6 months?

Re: How Long for AMEX to Auto CLI?

Anonymous — Sun, 08 Jan 2012 04:41:04 GMT

I'm curious about this as well. I requested a CLI from $3K to 4K exactly 6 months after getting my BCE card and was shot down. I always PIF and charge about $1000 on it every month. The funny thing is that when I check my spending limit online it is approving me for $4000.

Re: How Long for AMEX to Auto CLI?

Creditaddict — Sun, 08 Jan 2012 04:46:00 GMT

I was thinking they work like GE, if you are declined you can apply again in 1 month but if you are approved then you have to wait 6 months amex, 4 months GE

Re: How Long for AMEX to Auto CLI?

steve23111 — Sun, 08 Jan 2012 04:48:59 GMT

@Creditaddict wrote:
I was thinking they work like GE, if you are declined you can apply again in 1 month but if you are approved then you have to wait 6 months amex, 4 months GE

I am pretty sure you are correct.

Re: How Long for AMEX to Auto CLI?

Anonymous — Sun, 08 Jan 2012 17:44:36 GMT

What if your income has gone down since applying for the card? I've never asked for an increase, but I know they ask income for a cli. Will putting in a significantly lower number raise red flags? I PIF, usually before my statements even cut. I did ask ge recently and used my new income (amazon card went from 800 to 1400), but they seem much less scary than Amex!

Re: How Long for AMEX to Auto CLI?

boomhower — Mon, 09 Jan 2012 03:28:37 GMT

@Anonymous wrote:
I'm curious about this as well. I requested a CLI from $3K to 4K exactly 6 months after getting my BCE card and was shot down. I always PIF and charge about $1000 on it every month. The funny thing is that when I check my spending limit online it is approving me for $4000.

That's kind of surprising. You may want to run a little more through it for a few months. But Amex has wierd internal scoring and their decisions often defy logic. Good luck!

OP: Your not hurting anything by asking with Amex, it's a SP. Heck you don't even have to talk to them as you can do it online.

Re: How Long for AMEX to Auto CLI?

Jazzzy — Mon, 09 Jan 2012 04:01:51 GMT

We have the Delta AmEx. We got it in the spring of 2009. They started us out with $2k. I kept bumping up close to the limit and paying the card off a couple of times a month (paying for daughter's wedding), and after about 6 mos I asked, and we got raised to 6k. We were fine with that, and then in Nov of 2010...so about 18 mos after getting the card...we got an email that they raised us to $9,800. We had not asked for a CLI.

I don't understand the logic of the amount, but whatever...it has remained at that amount over this last year. I do have the "Increase Your Credit Limit" button at the bottom of my "Recent Activity" page, but I've never used it.

Re: How Long for AMEX to Auto CLI?

Anonymous — Tue, 10 Jan 2012 03:05:23 GMT

I didn't even think that Amex did auto cli.I have had my Blue Cash card since March of 2011,opened with a 5k limit. Did some serious charging on it and after the 6 months I requested a increase.They asked how much and I asked for my limit to be at 12k, the rep said I was approaved without even pulling any credit.Now that I have had my card for about a year and pushing nearly 100k through it, I'm ready to ask for another increase.Just don't know what I should ask for.Good luck though..