Advice: Amex CLI

[Anonymous]

I have had my Amex Blue Cash Everyday card for about 16 months and had no CLI since then. I am wondering if now would be a good time to request an increase. My Experian score is 718 and Util is just under 30%. I also have an offer to upgrade to the Blue Cash Preferred card - not sure if that's a better card to own or if I should look for some other Amex alternative.

Also, does AMEX do a HP for CLI?

Any advice would be appreciated. Thanks.

[coldfusion]

Whether or not to upgrade to the BCP would be tied to your grocery spend - basically if your average grocery bill is more than about $60 a week the additional earnings on the BCP over the BCE justifies the annual fee.   Even better would be if they offered you a bonus as an incentive to upgrade. 

You may want to knock down that utilization number before attempting a CLI. 

[coldfusion]

Oh, and CLI requests are soft pulls. 

[Anonymous]

BCP also pays out at 6% on streaming services and those are defined pretty liberally. I get the percentage back on streaming TV service, Netflix, Hulu, my son's monthly Xbox Live and Game Pass, Sirius/XM in three cars, Apple purchases through iTunes, etc. That definitely sweetens the deal.