topic Re: Amex CLI question in Credit Cards

Amex CLI question

Anonymous — Tue, 07 Feb 2012 01:03:25 GMT

I have read that amex cards are eligible for a CLI on the 61st day after getting that card and 6 months thereafter, assuming you do get a CLI.

But if you are declined a CLI how long before u can ask for one again?

Or does the 6 month rule apply either way you get a CLI or declined? confused about it.

thanks

Re: Amex CLI question

Anonymous — Tue, 07 Feb 2012 01:19:10 GMT

I believe if you get denied, you can try again in 30 days. Everything else is accurate.

Re: Amex CLI question

Anonymous — Tue, 07 Feb 2012 01:38:39 GMT

Also i dont see an option to request a credit line increase under profile account and manage credit limit option. Am i missing something?

Re: Amex CLI question

Creditaddict — Tue, 07 Feb 2012 07:17:07 GMT

@Anonymous wrote:
Also i dont see an option to request a credit line increase under profile account and manage credit limit option. Am i missing something?

You can do it in automated phone options too

Re: Amex CLI question

LTomBerry — Tue, 07 Feb 2012 14:49:00 GMT

My luv button disappeared a few months ago too. I just called the number on the card last week and got a CLI. I believe it's 90 days after a denial, 6 months after an approved CLI.

Re: Amex CLI question

Anonymous — Tue, 07 Feb 2012 15:37:55 GMT

Oops! My bad...

Re: Amex CLI question

Repo-ed — Wed, 22 Feb 2012 02:56:27 GMT

Does amex do SP for CLI?

My GF was just upgraded from Amex Skymiles gold to Platinum (that sound right?) without requesting, so I wonder if she could benefit from a util perspective, by asking for a CLI, but w/o a HP on her CRs

Re: Amex CLI question

Anonymous — Wed, 22 Feb 2012 02:59:12 GMT

@LTomBerry wrote:
My luv button disappeared a few months ago too. I just called the number on the card last week and got a CLI. I believe it's 90 days after a denial, 6 months after an approved CLI.

That's correct, 90 days after denial and 6 months after approval. Called Amex to ask about this.

Re: Amex CLI question

Anonymous — Wed, 22 Feb 2012 04:26:46 GMT

@Repo-ed wrote:
Does amex do SP for CLI?

My GF was just upgraded from Amex Skymiles gold to Platinum (that sound right?) without requesting, so I wonder if she could benefit from a util perspective, by asking for a CLI, but w/o a HP on her CRs

Amex CLIs are SP

Re: Amex CLI question

Anonymous — Wed, 22 Feb 2012 16:02:50 GMT

@Anonymous wrote:
@Repo-ed wrote:
Does amex do SP for CLI?

My GF was just upgraded from Amex Skymiles gold to Platinum (that sound right?) without requesting, so I wonder if she could benefit from a util perspective, by asking for a CLI, but w/o a HP on her CRs
Amex CLIs are SP

Are they based on the report they have on file (they SP me every month) or do they do a SP when you ask for the CLI?

My understanding is that when a card holder applies for a new card, they will use the last soft to decide whether you're worthy of a new card, and if you are they will pull hard, so I'm wondering if they do the same when requesting a CLI (minus the hard pull of course).

Re: Amex CLI question

CreditMuppet — Wed, 22 Feb 2012 16:06:30 GMT

@Anonymous wrote:
@Anonymous wrote:
@Repo-ed wrote:
Does amex do SP for CLI?

My GF was just upgraded from Amex Skymiles gold to Platinum (that sound right?) without requesting, so I wonder if she could benefit from a util perspective, by asking for a CLI, but w/o a HP on her CRs
Amex CLIs are SP
Are they based on the report they have on file (they SP me every month) or do they do a SP when you ask for the CLI?

My understanding is that when a card holder applies for a new card, they will use the last soft to decide whether you're worthy of a new card, and if you are they will pull hard, so I'm wondering if they do the same when requesting a CLI (minus the hard pull of course).

Yes from experience I can tell you that Amex can and will use a previous soft to decision your CLI, dont assume they will pull a fresh report when you apply.