topic Re: AMEX CLI Question in Credit Cards

AMEX CLI Question

Anonymous — Thu, 02 Jan 2014 22:25:30 GMT

Question for the forum:

I've had a AMEX Blue since 2004. It was initially a Blue for Students card while I was in college. Initial CL was $2,600.

After I graduated, I PC'd to Blue, and now eventually BCE.

My question is, I've bever received a CLI since I've had the card. Carried high balances for a while, but never missed a payment. I'd love to land the 3X CLI, but not much confidence considering my account's been unchanged for a long time.

Any ideas? Any reason to believe the luv button may yield results? My best thought is the back door number to plead my case.

Thanks!

Re: AMEX CLI Question

Anonymous — Thu, 02 Jan 2014 22:29:34 GMT

Welcome to the forum. Have you asked for a CLI? Amex rarely offers auto CLI's

Re: AMEX CLI Question

Anonymous — Thu, 02 Jan 2014 23:32:23 GMT

Thanks for the reply.

The only time I ever remember asking for a CLI was via the recorded message on the 800 number maybe 2 years ago. I was probably carrying 50% balance at the time and didn't get it. Other than that, I've never asked for a CLI.

Would be nice though. Basically my oldest account and I put all my monthlies on it. Could be a great card going forward.

Re: AMEX CLI Question

Anonymous — Thu, 02 Jan 2014 23:34:02 GMT

CLI's are SP's with Amex and if you haven't already done so, review the sticky in my Siggy. I'm sure you are more than overdue.

Re: AMEX CLI Question

FinStar — Thu, 02 Jan 2014 23:43:31 GMT

@Anonymous wrote:
Thanks for the reply.

The only time I ever remember asking for a CLI was via the recorded message on the 800 number maybe 2 years ago. I was probably carrying 50% balance at the time and didn't get it. Other than that, I've never asked for a CLI.

Would be nice though. Basically my oldest account and I put all my monthlies on it. Could be a great card going forward.

As long as your overall credit profile is in decnet shape, then it would be worth looking into. Have you pulled your CRs recently? This will help you auge if AMEX has SPd your file and kind of provide a barometer for CLI elegibility.

Re: AMEX CLI Question

efranklin23 — Fri, 03 Jan 2014 00:12:36 GMT

@Anonymous wrote:
Question for the forum:

I've had a AMEX Blue since 2004. It was initially a Blue for Students card while I was in college. Initial CL was $2,600.

After I graduated, I PC'd to Blue, and now eventually BCE.

My question is, I've bever received a CLI since I've had the card. Carried high balances for a while, but never missed a payment. I'd love to land the 3X CLI, but not much confidence considering my account's been unchanged for a long time.

Any ideas? Any reason to believe the luv button may yield results? My best thought is the back door number to plead my case.

Thanks!

Need more info to answer.

Things like

1. Credit Scores (of all 3 bureaus if possible)

2. Baddies

3. Mix of Credit

4. AAoA of other accounts

5. Credit Util for this card and over Credit Util Rate

Re: AMEX CLI Question

Anonymous — Fri, 03 Jan 2014 14:25:43 GMT

1. Haven't pulled scores in a while. CK 680 FAKO.

2. Only one VERY old medical collection baddie. Never been late on a CC payment.

3. I have it all. High mortgage and Student Loan balances.

4. AAoA - It's low(5>), but CC's are about 10. This AMEX is 2004.

5. Util on this card is 0. Overall, ~55%.

Re: AMEX CLI Question

swpopham — Fri, 03 Jan 2014 14:31:36 GMT

Re: AMEX CLI Question

Anonymous — Fri, 03 Jan 2014 15:01:49 GMT

It's a soft pull. I'd just go for it. Worst case scenario, you'll have 90 days to improve your credit profile before you ask for another CLI. Best case you'll have 3XCLI and 180 days to wait for the next.

Re: AMEX CLI Question

Anonymous — Fri, 03 Jan 2014 15:04:46 GMT

Thoughts on the best way to go about the request?

Customer Service Number?

Backdoor Number?

Luv button?

Re: AMEX CLI Question

SnackTrader — Fri, 03 Jan 2014 15:06:36 GMT

I would just go for it. There's very little risk in asking, and its unlikely you will get anything if you don't ask (as you have found out over the years).

I got my card with a $4,500 CL just one year ago. I am already up over $21,000.

Re: AMEX CLI Question

SnackTrader — Fri, 03 Jan 2014 15:07:53 GMT

@Anonymous wrote:
Thoughts on the best way to go about the request?

Customer Service Number?

Backdoor Number?

Luv button?

Online has always been good for me. I like having control over entering the information. The Definitive 3X Guide has screenshots on how to do it.

Re: AMEX CLI Question

chwebb1 — Fri, 03 Jan 2014 17:28:11 GMT

I did my 61 day CLI online. It does counter, so put in the full 3x.