AMEX CLI

[h2oeng]

I've got a BCE card that is about a year old but has seen little use over the past 3-6 months.  I've got a Platinum, Gold and BBP that see's the majority of my spend.  Mostly the BBP minus airfare, groceries and dinning out.  My limit on the BCE card is $6k but I would like to take it to $15k (at least request it) in Dec.  Does AMEX look at the use of the individual card, with all AMEX cards or a combination of both when doing a CLI?  Planning on shifting most of my spend over the BCE card for the next few months to better the odds.     

[dlister70]

I haven't done a CLI with AMEX for a long time, but you used to be able to triple your limit with a single CLI.  It's a soft pull, so just give it a shot and see what you get.  If you don't make it to $15k, they are also one of the easiest cards to shift limits on.  You can shift a few thousand of available limit from each of your other cards and put it on that card if needed right from the website.

If you do decide to move some available credit from your other AMEX cards, be sure to at least leave $1,000 on the donor card.  The website says that you only need to leave $500, but they will auto-deny if you go below $1,000.  

[OmarGB9]

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@dlister70 wrote:

I haven't done a CLI with AMEX for a long time, but you used to be able to triple your limit with a single CLI.  It's a soft pull, so just give it a shot and see what you get.  If you don't make it to $15k, they are also one of the easiest cards to shift limits on.  You can shift a few thousand of available limit from each of your other cards and put it on that card if needed right from the website.

If you do decide to move some available credit from your other AMEX cards, be sure to at least leave $1,000 on the donor card.  The website says that you only need to leave $500, but they will auto-deny if you go below $1,000.  

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You can shift from personal to business, but not the other way.

@h2oeng, you can ask for up to 3x your CLI. If Amex is willing to CLI you, they'll offer you whatever they're comfortable with. I'm sure they do look at all of your accounts with them as well as the individual account your inquiring about.

[h2oeng]

Neither the Platinum & Gold have preset limits and the BBP card is a business card.  I want to up the limit to reflect on my overall available credit on my reports.  I don't often carry a balance but will when it makes sense.  I put $16k on my WF card in July (interest free plus 2% CB).  My scores dropped 65-70 points as a result.  Higher total available credit will help soften that when / if I do it again.

[babygirl1256]

@h2oeng Amex looks at all cards personal and business.

[SouthJamaica]

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@h2oeng wrote:

Neither the Platinum & Gold have preset limits and the BBP card is a business card.  I want to up the limit to reflect on my overall available credit on my reports.  I don't often carry a balance but will when it makes sense.  I put $16k on my WF card in July (interest free plus 2% CB).  My scores dropped 65-70 points as a result.  Higher total available credit will help soften that when / if I do it again.

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Not really. When you put high utilization on an individual account your scores get slammed, regardless of how low your overall utilization is.

[h2oeng]

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@SouthJamaica wrote:

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@h2oeng wrote:

Neither the Platinum & Gold have preset limits and the BBP card is a business card.  I want to up the limit to reflect on my overall available credit on my reports.  I don't often carry a balance but will when it makes sense.  I put $16k on my WF card in July (interest free plus 2% CB).  My scores dropped 65-70 points as a result.  Higher total available credit will help soften that when / if I do it again.

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Not really. When you put high utilization on an individual account your scores get slammed, regardless of how low your overall utilization is

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No doubt is will take a hit but higher available credit will lessen the utilization.  I'm not sure how much of a factor a very high utilization on a single card while maintaining a decent overall utilization will be though.  

[elixerin]

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@h2oeng wrote:

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@SouthJamaica wrote:

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@h2oeng wrote:

Neither the Platinum & Gold have preset limits and the BBP card is a business card.  I want to up the limit to reflect on my overall available credit on my reports.  I don't often carry a balance but will when it makes sense.  I put $16k on my WF card in July (interest free plus 2% CB).  My scores dropped 65-70 points as a result.  Higher total available credit will help soften that when / if I do it again.

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Not really. When you put high utilization on an individual account your scores get slammed, regardless of how low your overall utilization is

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No doubt is will take a hit but higher available credit will lessen the utilization.  I'm not sure how much of a factor a very high utilization on a single card while maintaining a decent overall utilization will be though.  

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utilization DPs - myFICO® Forums - 6599725

[Traveler101]

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@OmarGB9 wrote:

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@dlister70 wrote:

I haven't done a CLI with AMEX for a long time, but you used to be able to triple your limit with a single CLI.  It's a soft pull, so just give it a shot and see what you get.  If you don't make it to $15k, they are also one of the easiest cards to shift limits on.  You can shift a few thousand of available limit from each of your other cards and put it on that card if needed right from the website.

If you do decide to move some available credit from your other AMEX cards, be sure to at least leave $1,000 on the donor card.  The website says that you only need to leave $500, but they will auto-deny if you go below $1,000.  

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You can shift from personal to business, but not the other way.

@h2oeng, you can ask for up to 3x your CLI. If Amex is willing to CLI you, they'll offer you whatever they're comfortable with. I'm sure they do look at all of your accounts with them as well as the individual account your inquiring about.

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Just had a letter stating that very point. Income and history of account(s)

[WasteMgmt]

I just got the BCE last month and have been thinking around the 91 day mark of 180 day mark I'll try go get a CLI from $31k to $50k. Dont really need a 3x CLI but would like a nice bump. It is also getting the majority of my spend with the Resy offer.