American Express Credit Line Button

[Antredd]

Thanks for sharing. I hope this will be a data point for people like us who were blacklisted as well by AMEX.

[805orbust]

@Antredd I think you just need to step back and take a breather. And not necessarily until 2026. Let your account age a bit (maybe until newest account is 12 months) and ask for less than the 3x. Amex is great with increases but there may be something that gave them pause.  PLUS, the wild card is that in this banking environment every issuer can be expected to become more conservative in their standards. 

I can relate to wanting to hurry things along, however the patience of Buddha can catapult you to certain success.

[OmarGB9]

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@805orbust wrote:

@Antredd I think you just need to step back and take a breather. And not necessarily until 2026. Let your account age a bit (maybe until newest account is 12 months) and ask for less than the 3x. Amex is great with increases but there may be something that gave them pause.  PLUS, the wild card is that in this banking environment every issuer can be expected to become more conservative in their standards. 

I can relate to wanting to hurry things along, however the patience of Buddha can catapult you to certain success.

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Amex will counter if they're willing to CLI you, but don't want to give the full 3x. No need to ask for less.

[learningcredit54]

By any chance does anyone in this thread know what Amex looks at when considering CLI's? I activated the MyCredit Guide on the Amex but notice they list my Vantage 3.0 yet in my Amex profile section I can see the FICO score. I want to have all my ducks in a row when pulling the CLI trigger again.

@OmarGB9awesome one can request a higher amount and not leave money on the table when requesting a CLI. 3x it will be when my time comes. I too was thinking of requesting less

[OmarGB9]

I don't think anyone really knows exactly what they look for, but pretty much the same things you'd expect for a new account is what I would say is what they look for (i.e. pay in full, low DTI/low utilization, low inquiries, not too many new accounts).