@jcc332006 wrote:Hey all I've had my first CC with Amex (Amex BCP) for 90 days and requested 1st CLI on it and they took me from $15k SL and increased it to requested $30k. My question is can I apply for another card even though they just gave me a 15k CLI. Are there restrictions after they give you the 1st CLI on only card with them? Thanks for any feedback!
You can apply for any Amex cards anytime you like. Amex will (normally) SP existing card holders and disclose approval terms if available for you to accept or decline.
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.
@nytokyobred79 wrote:
@jcc332006 wrote:
@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.
Have you checked to see if you get the "you're pre-approved msg from your account page?" When logged in, go to the credit cards section and then you can click the "apply" button and then it will either give the message that "(insert name), you're pre-approved! Get a decision in as little as 30 seconds. " Or if not, it may generate the message "Applying to expand your membership with us is easy.." Neither of these is a guarantee of approval and you can certainly get approved with the " applying to expand " verbiage.
Note that most apps are sp after getting into Amex but they're certainly cases where that's not true. My 2 successive apps after first were sp's but I've seen dp's on this site of those who has hp's after being in the ecosystem as well.
Hi, no I haven't went to that page yet, but I appreciate the heads up. I kind of figured that since that huge banner popped up about the Hilton Card that my chance of approval is high. My Experian Fico is 800 and pretty much the same as it was when I got the card 90 days ago so I may give it a go. 
@jcc332006 wrote:
@nytokyobred79 wrote:
@jcc332006 wrote:
@fury1995 wrote:
They do have a 2 cards within 90 days rule but you are not within 90 days any longer.Ok Got it! When I log in to my account a banner came up about a limited time 150,000 point Hilton Surpass card. So in essense they're tempting me. Lol 😆 My BCP hit 30k today and I'm feeling greedy.
Have you checked to see if you get the "you're pre-approved msg from your account page?" When logged in, go to the credit cards section and then you can click the "apply" button and then it will either give the message that "(insert name), you're pre-approved! Get a decision in as little as 30 seconds. " Or if not, it may generate the message "Applying to expand your membership with us is easy.." Neither of these is a guarantee of approval and you can certainly get approved with the " applying to expand " verbiage.
Note that most apps are sp after getting into Amex but they're certainly cases where that's not true. My 2 successive apps after first were sp's but I've seen dp's on this site of those who has hp's after being in the ecosystem as well.
Hi, no I haven't went to that page yet, but I appreciate the heads up. I kind of figured that since that huge banner popped up about the Hilton Card that my chance of approval is high. My Experian Fico is 800 and pretty much the same as it was when I got the card 90 days ago so I may give it a go.
Sounds like your profile is strong enough for that next app with them. In regards to the banners, Amex will definitely market certain cards and you'll periodically see those types of banners. When you get a chance, check your online account, see if you get the pre-approved verbiage. And as mentioned upthread, you can also use Amex's new "apply with confidence" which basically will tell you if you're approved and then you choose if you want to accept the offer or not. I haven't tried this via my online acct but instead, I went to incognito mode and applied for an app while not logged in and it basically told me I was approved for the card. I wanted to check the new feature to see how it worked. But I was hesitant to do it logged into my own account. Hehe. Good luck and I hope you get that next card.
While being granted a CLI wouldn't by itself hurt you, it *could* potentially hurt you in the sense that they've extended the max amount of credit they may be willing to give you at this time (if not permanently) across all accounts. Just something to consider.
