Re: American Express credit limit increase

razzy116 · ‎01-28-2021

Is requesting a credit limit from American Express A hard or soft pull, if it"s a hard pull i will not do it. Thank you and be safe.

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thornback · ‎01-28-2021

Soft pull. 3x the limit is the max - they'll counter if necessary, outright deny if they're not comfortable with any increase.

Account must be at least 61 days old for first request. If approved, you have to wait 181 days to request again. If denied, 91 days to request again.

Good luck!

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pinkandgrey · ‎01-28-2021

Other answer is perfect. It's SP.

Good luck with the CLI!

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silver_idle · ‎01-28-2021

@thornback wrote:
Soft pull. 3x the limit is the max - they'll counter if necessary, outright deny if they're not comfortable with any increase.

Account must be at least 61 days old for first request. If approved, you have to wait 181 days to request again. If denied, 91 days to request again.

Good luck!

To add, once you are approved the 181 days is for the whole account, not per card so if you have 2 revolving cards, both 61 days old and you requested and was approved for a CLI on one of them, you cannot request a CLI for any cards within the 181 day period (which from some DP includes both personal and business cards).

coldfusion · ‎01-28-2021

It's USUALLY a soft pull. NOT ALWAYS.

@Brian_Earl_Spilnerand I can each confirm this from personal experience.

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AlmostNJ · ‎01-28-2021

It's always been a soft pull for me. Even if I apply for a new card it's a soft pull. Good Luck and let us know.

Anonymous · ‎01-29-2021

@coldfusion wrote:
It's USUALLY a soft pull. NOT ALWAYS.

@Brian_Earl_Spilnerand I can each confirm this from personal experience.

Do either of you know why in your personal experiences you received HPs?

AlmostNJ · ‎01-29-2021

@Anonymous wrote:
@coldfusion wrote:
It's USUALLY a soft pull. NOT ALWAYS.

@Brian_Earl_Spilnerand I can each confirm this from personal experience.
Do either of you know why in your personal experiences you received HPs?

In my experience its always been a soft pull.

Anonymous · ‎01-29-2021

Mine (and most) as well. So, if HPs have happened on occasion I would think there's a reason why. Hopefully coldfusion stops back in and can shed a bit more light.

Anonymous · ‎06-10-2021

This is good to know. I just had a CLI on my Delta Skymiles recently. Looks like I will have to wait 6 mo to request one for my Hilton Honors card.

American Express credit limit increase

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American Express credit limit increase