topic Re: Experience with a Second 3xcli from Amex? in Credit Cards

Experience with a Second 3xcli from Amex?

youngandcreditwrthy — Wed, 06 Mar 2013 03:23:02 GMT

As many posters here have, I received a 3xcli from 3500 to 10,500 on the 61st day of having my Amex BCE.

Otoh, I've not seen many recorded experiences with a second 3xcli at the six month mark. I'm three months in after my first 3xcli and would like to know approval/denial experiences concerning a second 3xcli after 6 months?

Who has been approved? Who has been denied? If denied, why? I know Amex can be...picky to say the least.
I'm anxious to get my BCE up to around that $25,000 mark. Per my siggy, I have several five digit limit cards- all of which have extremely low usage...in fact, Amex is the only five digit limit that I've used a lot. I've run about $5-6k through it since I opened it in Oct 2012, making an average of $500-1,000 payments...pif about half the time, however; why pif when Ive got 0% for 12 months? Lol

Thanks in advance! Love this forum!:-)

Re: Experience with a Second 3xcli from Amex?

TNTransplant — Wed, 06 Mar 2013 03:26:58 GMT

Can't help you, as I have never been approved for any CLI with Amex. Don't know why they hate me so...

Good luck to you, though. I look forward to reading from those who HAVE received CLIs.

Re: Experience with a Second 3xcli from Amex?

Anonymous — Wed, 06 Mar 2013 04:22:36 GMT

My first Amex BCE CL was $5,000 called Executive Office and recon it to $10,000. Then on 61 day x3 CL increase to $25,000 and CL increase to $30,000 on 6 months. My fico credit score then was 747 and now my Trans fico credit score is 801 and my equifax fico is 799. Also my Amex BCE, Amex SPG, Amex Delta Skyline and Amex Hilton Honors was backdated to 1990..... What a sweet deal! After that Chase Freedom, Chase Sapphire Preffered and Chase United Mileage Plus was approved for $25,000 respectively...I mean each. Income is $159870.

I just did the 2nd x3 CLI on BCP today . Initial 2k -...

Anonymous — Wed, 06 Mar 2013 04:26:00 GMT

I just did the 2nd x3 CLI on BCP today .

Initial 2k -> 6k -> 18k . Feels great !

Re: Experience with a Second 3xcli from Amex?

Anonymous — Wed, 06 Mar 2013 04:36:13 GMT

@Anonymous wrote:
My first Amex BCE CL was $5,000 called Executive Office and recon it to $10,000. Then on 61 day x3 CL increase to $25,000 and CL increase to $30,000 on 6 months. My fico credit score then was 747 and now my Trans fico credit score is 801 and my equifax fico is 799. Also my Amex BCE, Amex SPG, Amex Delta Skyline and Amex Hilton Honors was backdated to 1990..... What a sweet deal! After that Chase Freedom, Chase Sapphire Preffered and Chase United Mileage Plus was approved for $25,000 respectively...I mean each. Income is $159870.

I've only been a member since 2000. Would you mind adding me as an AU for a few months.

Re: Experience with a Second 3xcli from Amex?

youngandcreditwrthy — Wed, 06 Mar 2013 13:42:07 GMT

Wow!! Congrats yall! Thanks for the info! So it is possible!!! I'll have reduced my util from 13% to 9% by the time I request, and I have a few more inqs falling off. I wont be near 800 lol but should be around 750 FICO!!

Re: Experience with a Second 3xcli from Amex?

Anonymous — Wed, 06 Mar 2013 16:59:50 GMT

Does anyone have experience with higher starting credit limits? One of my AMEX had a starting limit of 17,100. That was opened in August. Would I potentially be able to ask for a credit limit increase to 51,300? I don't need that amount of credit but Im just curious. If I got a 3x credit increase, my average utilization would drop to less than 1%.

Re: Experience with a Second 3xcli from Amex?

navigatethis12 — Wed, 06 Mar 2013 17:11:09 GMT

@Anonymous wrote:
Does anyone have experience with higher starting credit limits? One of my AMEX had a starting limit of 17,100. That was opened in August. Would I potentially be able to ask for a credit limit increase to 51,300? I don't need that amount of credit but Im just curious. If I got a 3x credit increase, my average utilization would drop to less than 1%.

The automated system on the telephone says it can take requests of up to 25000. I am not sure about online though. You would probably be best to speak with someone because most likely they will require income proof when going above 25000.

Re: Experience with a Second 3xcli from Amex?

OhioCPA — Wed, 06 Mar 2013 17:44:24 GMT

1,000 to 3,000 at about four months then 9,000 at six months on my BCE. When the BCE was at 3,000, my HH came with a 10,000 CL. At six months on the HH I asked for and was given 25,000. In less than two years I have gone from one card at a 1,000 credit line to two with total CL of 34,000.

When you apply make sure your utilization has reported low for the past 30 days, Amex will base the dicision on the most recent SP.

Re: Experience with a Second 3xcli from Amex?

youngandcreditwrthy — Wed, 06 Mar 2013 18:41:45 GMT

Awesome @ohiocpa!! Thanks for that! I keep my util less than 15%- Im going to really try to get it to 9%-might have to cut back on my expensive going out/shopping/eating/traveling/winebar habits haha! Who needs to spend $100 on dinner anyway?? Lol

That's amazing that you got a $10k HH card!! Wow!!!

If you request more than $25,000, they do s'thing similar to a Financial Review. While a 3xcli would bring me to $31500, I will only request the $25k as to remain under Amex's radar lol.

Re: Experience with a Second 3xcli from Amex?

DrJim — Wed, 06 Mar 2013 18:47:37 GMT

I originally received a $2K limit (even though I had three other 5-digit limit cards!) I got the original 3X to $6K. Six months later I used the automated line and was instantly approved for $18K. Six months later I asked for and received an increase to $25K. Very easy. Worked like a charm. $25K, however, is the highest you can go on the automated line.

Re: Experience with a Second 3xcli from Amex?

youngandcreditwrthy — Wed, 06 Mar 2013 19:06:47 GMT

That's amazing! So it seems there has been as much success with a 6 month 3xcli as the 61 day 3xcli!!