AMEX Optima 3X CLI?

[hudsons1]

I have an AMEX Optima, limit of $500.00. The cardholder agreement states that one has to have the account for one year before being considered for a LI. I have now had it for a year, perfect payment record, low util. Does the standard AMEX 3X apply for this card as well?

[ojefferyo]

I didn't know that these card still exist. You can try and see what happens, worst they can say is no.

[Anonymous]

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@hudsons1 wrote:

I have an AMEX Optima, limit of $500.00. The cardholder agreement states that one has to have the account for one year before being considered for a LI. I have now had it for a year, perfect payment record, low util. Does the standard AMEX 3X apply for this card as well?

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I think you may have to close and reapply for 61, and 181 day increases.

[Anonymous]

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@ojefferyo wrote:

I didn't know that these card still exist. You can try and see what happens, worst they can say is no.

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I had one of the original ones way back in late 80s

[CreditCuriosity]

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@Anonymous wrote:

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@ojefferyo wrote:

I didn't know that these card still exist. You can try and see what happens, worst they can say is no.

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I had one of the original ones way back in late 80s

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1989?

[taxi818]

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@Anonymous wrote:

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@hudsons1 wrote:

I have an AMEX Optima, limit of $500.00. The cardholder agreement states that one has to have the account for one year before being considered for a LI. I have now had it for a year, perfect payment record, low util. Does the standard AMEX 3X apply for this card as well?

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I think you may have to close and reapply for 61, and 181 day increases.

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What would make you think that nixon? honestly i did not know they had this card a year ago. i thought it was a couple of years since they discontinued. wow amex with a 500 dollar limit. incredible.  i would not close it. i would just outright apply for another.

[Creditcurious74]

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@hudsons1 wrote:

I have an AMEX Optima, limit of $500.00. The cardholder agreement states that one has to have the account for one year before being considered for a LI. I have now had it for a year, perfect payment record, low util. Does the standard AMEX 3X apply for this card as well?

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Did you receive this card from a loss suit American Express had, if so this is a recovery credit card which the agreement  states you can't request a CLI for 36 months, once you complete the 36 month trial you will need to close the Optima account if you want to apply for any of there credit cards products. Unfortunately there's no guarantee for approval. 

[Berk]

My understanding is that the Optima is for people with less than stellar credit. You can't apply for it; rather, Amex offers it to you. For instance, you apply for the BCE, Amex says "No,but here, you can apply for the Optima instead."

[joltdude]

Taxi
amex will auto deny you for another card if you have an optima because its a recovery product. Only way to get another amex from centurion bank is to close it and take a gamble

[Anonymous]

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@Berk wrote:

My understanding is that the Optima is for people with less than stellar credit. You can't apply for it; rather, Amex offers it to you. For instance, you apply for the BCE, Amex says "No,but here, you can apply for the Optima instead."

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AMEX will outright decline you if your credit isn't up to snuff.

No. This is a different beast altogether. It is offered as a "Get back in our good graces", type of deal.