$1000 Amex cards never getting CLI?

[Anonymous]

I'll put my Amex experience in here for the data points. Feb 2015 I applied for Amex Delta and was approved instantly for $2K limit, double dipped the SPG and was not instantly approved, had to talk to a rep and was approved for $1K. Waited 61 days and attempted to CLI, no dice.

Tried CLI's repeatedly every 91 days for a year. Still no love. Apped for the BCP & PRG both approved a year later and was given a $9.6K starting limit on the BCP. Kept trying to CLI all credit cards. Always denied. 

2016 and 2017 saw my overall utilization skyrocket, due to opening a business and needing access to capital. Amex saw this and hit my BCP with Adverse Action and lowered my limit to 8K, where it sits now.

Late 2017 I made huge strides paying off over 150K in balances( thank you bitcoin). 

Just apped for the Hilton Honors and Every Day Plus a week ago, both instant approvals for $16K each. Still no CLI's on the aged cards. SPG & Delta stuck at $1 -2K for 3 years. I guess you can call it a love/hate relationship. They invited me to upgrade my PRG to Platinum, and I took the bait, the rewards are rigth up my alley with Uber and airlines credits and 5x points as I travel frequently for work.

6 Amex cards only 1 is a charge card.

[sdsoccerdad]

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@Anonymous wrote:

I'll put my Amex experience in here for the data points. Feb 2015 I applied for Amex Delta and was approved instantly for $2K limit, double dipped the SPG and was not instantly approved, had to talk to a rep and was approved for $1K. Waited 61 days and attempted to CLI, no dice.

Tried CLI's repeatedly every 91 days for a year. Still no love. Apped for the BCP & PRG both approved a year later and was given a $9.6K starting limit on the BCP. Kept trying to CLI all credit cards. Always denied. 

2016 and 2017 saw my overall utilization skyrocket, due to opening a business and needing access to capital. Amex saw this and hit my BCP with Adverse Action and lowered my limit to 8K, where it sits now.

Late 2017 I made huge strides paying off over 150K in balances( thank you bitcoin). 

Just apped for the Hilton Honors and Every Day Plus a week ago, both instant approvals for $16K each. Still no CLI's on the aged cards. SPG & Delta stuck at $1 -2K for 3 years. I guess you can call it a love/hate relationship. They invited me to upgrade my PRG to Platinum, and I took the bait, the rewards are rigth up my alley with Uber and airlines credits and 5x points as I travel frequently for work.

6 Amex cards only 1 is a charge card.

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This depresses me. LOL.  I feel like I will be stuck like this.  I have a Gold Delta, SPG and Hilton all stuck at $1000.  I use them pretty good and PIF every week and have posted here before I'm almost ready to give up so I use the PRG the most right now.  

[Anonymous]

I was a bit bored and decided to jump on that AMEX chat. Apparently the rep is now claiming that a CLI is card specific and you can request it every 90 days not 181 days. 

i would think any of my cards because i had a credit line increase almost 6 months ago on one of them but the 181 days applies to all the accounts if I'm correct

You - Jan 23, 2018 8:28 PM

So the request to increase the credit limit for the credit cards can be submitted after 60 days of the account opening date

Qui - Jan 23, 2018 8:30 PM

Let me know for which card you would like to submit the request for the credit limit increase

Qui - Jan 23, 2018 8:31 PM

i submitted one almost 6 months ago on my delta platinum card

You - Jan 23, 2018 8:31 PM

You can go ahead and submit the request again after 90 days

Qui - Jan 23, 2018 8:33 PM

even if it was approved?

You - Jan 23, 2018 8:33 PM

Yes. 

Qui - Jan 23, 2018 8:33 PM

i have always been told it was 181 days after approval of credit line increase

You - Jan 23, 2018 8:33 PM

It is correct. However as you have multiple cards with us, you can submit it after 90 days as well.

Qui - Jan 23, 2018 8:34 PM

so you are saying the credit line increase is per card and not for all your cards?

You - Jan 23, 2018 8:35 PM

That's correct. It is different for each card. 

Qui - Jan 23, 2018 8:35 PM

ok thank you

You - Jan 23, 2018 8:35 PM

You're Welcome.

Qui - Jan 23, 2018 8:36 PM

Apart from this would there be anything else I can help you with?​​​​​​​

Qui - Jan 23, 2018 8:36 PM

nope thats it thank you

You - Jan 23, 2018 8:37 PM

 WHat do you guys think about this?

I was always under the impression that a CLI increase that is approved means you can not apply for any CLI on any account for 181 days from approval date. 

[drboxing]

From what I’ve read, once you break that entry level Amex SL as long as you pay on time the limit increases come easier and better. It’s just a matter of time before the large increases happen for us stuck in the $1000 SL mode. Hang in there

[Anonymous]

Wow, this is the first I've read and definitely interesting coming from a CSR chat.   Hopefully the CSR is educated on the *current policies rather than assuming the rules.  

With that being said, I am looking for help in a new strategy for CLI's and or new apps for the best CL across the board.

AMEX Platinum - Oct. 7  (EXP 787) - signed up to Pay over time during account creation.

AMEX EDP - Oct. 14 - $1k SL

AMEX SPG - Dec. 15 - $1k SL

Thin history - seems like they are feeling me out.

From Oct - Dec. 15 put about $12k spend on the two cards ($8.5k Plat, $3.5k EDP) all paid in full multiple times per month due to CL max on EDP.   Applied for CLI to EDP at ~61 days and approved at $3k.  An hour later applied/ approved for SPG with $1k SL.   I was a bit bummed on the opening line and called in to move credit from EDP to SPG.    Both at $2k credit limits on Dec. 15th, 2017.

My question is:  recent data points show you can move Credit limits between cards when needed, but no credit limit increases until 30+ days after that.   What would be the best course of action moving forward for the highest credit line increases per card, across the account and or applying for a new card (want to avoid at all costs another toy limit)?

Option 1 - move credit limit back from SPG to EDP (already met the $3k spend on it in less than a month).  Then SPG = $1k, EDP= $3.   Did the credit reallocation impact their systems as a credit limit increase (I thought I read a DP somewhere being no) extending my dates?  If I do so soon, I can be in the 61-75 days mark for SPG and gaining towards the 90 day mark for the EDP.

Option 2 - Keep both As-is at $2k per and go for CLI's on the 91 day marks for each card?

Option 3 - Move $1k CL from SPG back to EDP around March, and apply for CLI on EDP at 181 days (mid May) for $3k-$9k.

I appreciate everyone's thoughts.

as a side data point, I currently have the increase your credit limit on the EDP home page under the balance section but it didn't work a few days ago.

high salary and current Fico EX: 765

CSR - $17k

Barclays World Elite - $2500

Discover IT - $2500

[jlitnns]

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@Anonymous wrote:

Wow, this is the first I've read and definitely interesting coming from a CSR chat.   Hopefully the CSR is educated on the *current policies rather than assuming the rules.  

With that being said, I am looking for help in a new strategy for CLI's and or new apps for the best CL across the board.

AMEX Platinum - Oct. 7  (EXP 787) - signed up to Pay over time during account creation.

AMEX EDP - Oct. 14 - $1k SL

AMEX SPG - Dec. 15 - $1k SL

Thin history - seems like they are feeling me out.

From Oct - Dec. 15 put about $12k spend on the two cards ($8.5k Plat, $3.5k EDP) all paid in full multiple times per month due to CL max on EDP.   Applied for CLI to EDP at ~61 days and approved at $3k.  An hour later applied/ approved for SPG with $1k SL.   I was a bit bummed on the opening line and called in to move credit from EDP to SPG.    Both at $2k credit limits on Dec. 15th, 2017.

My question is:  recent data points show you can move Credit limits between cards when needed, but no credit limit increases until 30+ days after that.   What would be the best course of action moving forward for the highest credit line increases per card, across the account and or applying for a new card (want to avoid at all costs another toy limit)?

Option 1 - move credit limit back from SPG to EDP (already met the $3k spend on it in less than a month).  Then SPG = $1k, EDP= $3.   Did the credit reallocation impact their systems as a credit limit increase (I thought I read a DP somewhere being no) extending my dates?  If I do so soon, I can be in the 61-75 days mark for SPG and gaining towards the 90 day mark for the EDP.

Option 2 - Keep both As-is at $2k per and go for CLI's on the 91 day marks for each card?

Option 3 - Move $1k CL from SPG back to EDP around March, and apply for CLI on EDP at 181 days (mid May) for $3k-$9k.

I appreciate everyone's thoughts.

as a side data point, I currently have the increase your credit limit on the EDP home page under the balance section but it didn't work a few days ago.

high salary and current Fico EX: 765

CSR - $17k

Barclays World Elite - $2500

Discover IT - $2500

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@I'm in the same boat wondering what do to. I got BCP in June 2017 @ $1k, 3x in Dec 2017 to $3k, opened BCE @ $1k (because I don't think I'll run enough in BCP to pay for $95 AF). Was hoping I'd get at least $2k. I'm wondering if I should move my $3k over to the BCE and have a total of $4k and go for 3x in 61 days or do I have to wait the 182?

[Anonymous]

I got BCE with 1k limit.  2 weeks later asked for 3k and was approved. Month later applied for SPG.  Got approved for 1k.  Instantly applied for CLI.  Got declined with message that you can only get one CLI every 6 months.  

[Anonymous]

To the person that posted that chat with Amex above, I'd suggest hitting up chat again 2-3 more times and ask the same question.  If you get the same answer 2-3 more times, perhaps there's some value in what the CSR said.  If not, the info you were given was likely a false-positive.

I've contacted Amex chat 3 times about the same issue before and been given 3 completely different answers, 2 of which were opposing answers.  Ever since then, I value their repsonses rather low.

[Anonymous]

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@Anonymous wrote:

Wow, this is the first I've read and definitely interesting coming from a CSR chat.   Hopefully the CSR is educated on the *current policies rather than assuming the rules.  

With that being said, I am looking for help in a new strategy for CLI's and or new apps for the best CL across the board.

AMEX Platinum - Oct. 7  (EXP 787) - signed up to Pay over time during account creation.

AMEX EDP - Oct. 14 - $1k SL

AMEX SPG - Dec. 15 - $1k SL

Thin history - seems like they are feeling me out.

From Oct - Dec. 15 put about $12k spend on the two cards ($8.5k Plat, $3.5k EDP) all paid in full multiple times per month due to CL max on EDP.   Applied for CLI to EDP at ~61 days and approved at $3k.  An hour later applied/ approved for SPG with $1k SL.   I was a bit bummed on the opening line and called in to move credit from EDP to SPG.    Both at $2k credit limits on Dec. 15th, 2017.

My question is:  recent data points show you can move Credit limits between cards when needed, but no credit limit increases until 30+ days after that.   What would be the best course of action moving forward for the highest credit line increases per card, across the account and or applying for a new card (want to avoid at all costs another toy limit)?

Option 1 - move credit limit back from SPG to EDP (already met the $3k spend on it in less than a month).  Then SPG = $1k, EDP= $3.   Did the credit reallocation impact their systems as a credit limit increase (I thought I read a DP somewhere being no) extending my dates?  If I do so soon, I can be in the 61-75 days mark for SPG and gaining towards the 90 day mark for the EDP.

Neworder - I grew Amex exposure to more than 100k in a little more than a year.  My first Amex card, 13-14 mths ago, was 500 one. Top tier income and similar fico 8.   Just added almost 40k not reported yet.

My impression with Amex is it may work negatively when you make multiple small payments.  I just paid in full, whether it was 500 or 5k on multiple accounts.   Since you have multiple Amex, when you show them what you can handle, I am pretty sure it will grow faster.

Contrary to Amex, Penfed just turned down my CLI app, stating low credit score and they gave me 809 their fico 9.  And stating insufficient income - I thought my income listed was within top 5%.  During the same period, my SL with Penfed is only 12k.

[Anonymous]

What is AZEO?