American Express CLI Question

[Chickenman71]

First time poster, longtime follower of the board.

I have the American Express BCP. I have had the card now for 72 days now, I tried to get an cli Saturday, I got the message that I was eligble for a limit increase becuase the account is to new. So I called customer service, and the representative preceded to tell me that I have to wait 180 before I can request a CLI. I know it says 60 days on the website. Has this policy chnaged? Thanks.

[K-in-Boston]

Welcome to the forums!  Is this your only revolving credit card product with Amex?  Their policy has been that 181 days must pass between credit line increases across all accounts, so if you have another card that has received a CLI in the past 6 months that would be the reason for denial.

[Chickenman71]

Yes this is my only card with them. I have a realitivley small limit with them ($2,500). But I have spent over 4k in the 72 days, so I figured I would be in good standing. I also pay it in full every week. I was just confused when I was told that, if i have to wait I can, but I would like to be able to increase my limit. 

[K-in-Boston]

It's possible that they gave you the canned response about the length of time required between CLI requests.  Amex mails out letters almost immediately with explanations when a CLI is turned down or partial, so I would suggest waiting for that to arrive in the mail.  (I believe those come from the El Paso address.)  If there is a reason listed other than "too soon," that's going to be the reason it was denied.  If it does state that it's too soon, that would be an unfortunate surprise.

[OmarGB9]

I can actually corroborate this. I too tried for a CLI after 61 days, and it said "account too new." I hopped on chat and got the same answer, and they also mentioned 6 months. However, the CSR did add that I could try after my 3rd statement, so I'll try again in a month. And yes this is my one and only Amex card. @K-in-Boston

[K-in-Boston]

@OmarGB9 did you receive your denial letter in the mail yet?  Hopefully it hasn't really changed to 6 months before the first request.

[Chickenman71]

I was never denied, I was just told I had to wait. But why would they say 60 days on their website, and not honor that? 

[OmarGB9]

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@K-in-Boston wrote:

@OmarGB9 did you receive your denial letter in the mail yet?  Hopefully it hasn't really changed to 6 months before the first request.

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Well see that's the thing, it doesn't let me request at all. I don't know if I'll get a letter, since the page denied me because I only "recently opened an account" with them. It's basically saying it's too soon to ask. So it's not denying me for credit-related reasons, but timing reasons it seems. But I agree, hopefully things haven't changed. 😮‍💨

[bigseegar]

I know first hand from going through it that it seems to be (is actually) after 91 days now not 61 (and yes 181 days after any other card gets a CLI). For best results on a new card with them though you're better to wait 6 months for better odd's and a good CLI.

[OmarGB9]

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@bigseegar wrote:

I know first hand from going through it that it seems to be (is actually) after 91 days now not 61 (and yes 181 days after any other card gets a CLI). For best results on a new card with them though you're better to wait 6 months for better odd's and a good CLI.

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Oh jeez well that's not encouraging. 

To be honest, if I have to wait at least 91 days now, I'm willing to try and see what happens. If I'm denied, I mean, it's only another 91 days until I can try again, so at that point I would have been forced to wait 181 days regardless, but at least I have one try in there where I could potentially get a CLI rather than wait a full 181 days, get a denial, and then have to wait an additional 91 days.