topic Re: CLI on Amex BCE in Credit Cards

CLI on Amex BCE

n777ua — Thu, 03 May 2012 09:55:20 GMT

Whats the best way to request a CLI on this card; do I have to call? I've scoured the web site and don't see a 'request cli" button anywhere. Account opened 1 year this month, initial CL $3.2k, no lates, no exceeding cl. Also, is it a hard or soft pull?

Cheers..

Re: CLI on Amex BCE

frogfan12 — Thu, 03 May 2012 10:05:01 GMT

@n777ua wrote:
Whats the best way to request a CLI on this card; do I have to call? I've scoured the web site and don't see a 'request cli" button anywhere. Account opened 1 year this month, initial CL $3.2k, no lates, no exceeding cl. Also, is it a hard or soft pull?

Cheers..

From what I've read around here you have to call in to their automated line to request a CLI. It's a soft pull and they recommend that you request three times your current CL. Good luck!

Re: CLI on Amex BCE

Anonymous — Thu, 03 May 2012 10:44:59 GMT

There is a button on the website gosh I wish I could get to it right now and tell you where to go. If no one else has replied to this later on I'll double check where it is and walk you though it!

Re: CLI on Amex BCE

CS800 — Thu, 03 May 2012 13:53:40 GMT

I did it on the automated line for 3X and it was instant. If not ,it will deny and you could speak to the backoffice about a recon.

Re: CLI on Amex BCE

Anonymous — Thu, 03 May 2012 13:57:37 GMT

@CS800 wrote:
I did it on the automated line for 3X and it was instant. If not ,it will deny and you could speak to the backoffice about a recon.

So it doesn't counter-offer sometimes with a lower limit??

Re: CLI on Amex BCE

CS800 — Thu, 03 May 2012 14:00:00 GMT

@Anonymous wrote:
@CS800 wrote:
I did it on the automated line for 3X and it was instant. If not ,it will deny and you could speak to the backoffice about a recon.

So it doesn't counter-offer sometimes with a lower limit??

AFAAIK, the automated system doesnt counter; others can chime in

Re: CLI on Amex BCE

Anonymous — Thu, 03 May 2012 14:07:36 GMT

Hmmm, good to know.

Something to keep in mind for the next week.

Re: CLI on Amex BCE

n777ua — Thu, 03 May 2012 14:24:13 GMT

Well when I call the automated system and ask for a CLI, the computer wants to transfer me to a rep . . . that makes me nervous so I hung up. Thoughts ?

Re: CLI on Amex BCE

jpnelly — Thu, 03 May 2012 14:36:18 GMT

Go to profile and preferences and select more options. Under account management there should be an option to manage credit limit. If you are eligible you can request a cli online. That is what i did.

Re: CLI on Amex BCE

n777ua — Thu, 03 May 2012 14:38:54 GMT

@jpnelly wrote:
Go to profile and preferences and select more options. Under account management there should be an option to manage credit limit. If you are eligible you can request a cli online. That is what i did.

Thanks; my only options there are:

Transfer avail credit to another card

Check balance transfer status

Check spending availability

Check recent declines

Looks like I'm not eligible; thanks everyone for your input!

Re: CLI on Amex BCE

Anonymous — Thu, 03 May 2012 14:43:10 GMT

@jpnelly wrote:
Go to profile and preferences and select more options. Under account management there should be an option to manage credit limit. If you are eligible you can request a cli online. That is what i did.

I did:

Profiles & Preferences
See More Options (Drop-down Menu) - If you click on P&P, it's definitely under Account Management
Manage Credit Limit
Didn't see it there, just saw: Check BT Status, Check Spending Ability, Check Recent Declines

Technically, yesterday was Day 61 for me, technically.

But I had great doubts that I would be able to do it, and wanted to wait a few more days. I'll check this way again in a day or two.

Re: CLI on Amex BCE

readyfireaim — Sat, 05 May 2012 10:07:46 GMT

Does a 3X CLI on an AMEX Card with a 2K limit = ask for 6K more, for a total of 8K? Or just tripling your 2K limit to 6K?

Re: CLI on Amex BCE

Anonymous — Sat, 05 May 2012 12:57:31 GMT

You ask for 6K, triple your current limit amount.

Technically, I could ask for 28,500...

Re: CLI on Amex BCE

OhioCPA — Sat, 05 May 2012 13:36:32 GMT

I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

Re: CLI on Amex BCE

Anonymous — Sat, 05 May 2012 13:39:51 GMT

@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

I know, hence the technically. I'm only going to ask for 21.5K.

Re: CLI on Amex BCE

chiyex — Sat, 05 May 2012 13:47:42 GMT

goodluck with that. i am abbout to close my amex gold. from no preset limit, they cut me to 3k last yr march. i have been calling every quarter and they wouldnt restore my no preset limit. after a yr they raised by $500. they are stingy with limits and only give half cent per dollar which is the worst reward ever. i never owed but always paid in full. i now have better cards with better rewards and cl. goodbye amex

Re: CLI on Amex BCE

readyfireaim — Sat, 05 May 2012 22:40:03 GMT

@Anonymous wrote:
@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

I know, hence the technically. I'm only going to ask for 21.5K.

Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.

Re: CLI on Amex BCE

Ridbidge — Sun, 06 May 2012 00:11:19 GMT

@readyfireaim wrote:
@Anonymous wrote:
@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

I know, hence the technically. I'm only going to ask for 21.5K.
Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.

NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000) 6k is 3x your current 2k credit limit, and that is the max. Do not ask for 8K or you will get denied.

Re: CLI on Amex BCE

Anonymous — Sun, 06 May 2012 02:42:13 GMT

@Ridbidge wrote:
@readyfireaim wrote:
@Anonymous wrote:
@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

I know, hence the technically. I'm only going to ask for 21.5K.
Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.
NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000) 6k is 3x your current 2k credit limit, and that is the max. Do not ask for 8K or you will get denied.

+1

Re: CLI on Amex BCE

searchingfor67 — Wed, 09 May 2012 19:47:14 GMT

@Ridbidge wrote:
@readyfireaim wrote:
@Anonymous wrote:
@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.

I know, hence the technically. I'm only going to ask for 21.5K.
Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.
NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000) 6k is 3x your current 2k credit limit, and that is the max. Do not ask for 8K or you will get denied.

Have you had any issues with getting cli's with Amex due to the number of your tradelines?