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Well, I decided I'm going to take the plunge! I got my Amex BCP a little over 8 months ago. I started with a $5,000 limit and at 61 days, requested a 3x cli which was instantly approved to $15,000. It's been a little over 180 days since then and after a lot of debate with myself, I decided to try another 3x cli request. I have paid in full every month since I got the card and typically run between $2,000-$4,000 a month through it. I just made a $3,500 payment today and I'm waiting for it to post before I attempt the cli. I'll let everyone know if I get a 4506-T request and/or an approval or counter offer. Household income of $270,000 and my Experian FICO 8 is 739 so here goes nothing!!!
Anxious to hear how your request turned out. I am almost in the same exact situation and have a very similar credit profile. Got a BCP back in July with a SL of 5,000. At 61 days, 3X to 15,000 (love Amex!) and have been using it often for groceries and gas. I am coming up on my 180 days this week and was wondering how much of a CLI to ask for. Don't really need a big limit, but always appreciate the buffer on utilization. I chatted with customer service and they confirmed my eligibility date.
Hope everything works out for you OP. Following this thread to see the results.
me too, curious to see your results. good luck op.
congrats but you also deflated my hopes and dreams of a 24k CLI with my Everyday card... my income is creeping up on 60k ah well, I am technically a full time college student so can't win em all at once I suppose.
I would think with that income level you'd get the $45k approved with little issue.
It will get approved but, w/ or w/o the 4506 request is the question. Some do w/o and some don't.
I went online about an hour ago and requested the 3x cli and sure enough, I got the 4506 request. I filled out the 4506 online and submitted it. So now it's wait and see.
I am sure you will get your CLI, it will just take a little time.
@Tim_S wrote:I went online about an hour ago and requested the 3x cli and sure enough, I got the 4506 request. I filled out the 4506 online and submitted it. So now it's wait and see.
I'm 100% confident with the 4506 submitted that you'll get the $45k limit.