Amex CLI intervals

[drewricomakeubu]

I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went. 

[SouthJamaica]

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@drewricomakeubu wrote:

I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went. 

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Conventional wisdom used to be 90 days from denial or 180 days from approval.

But lately there have been reports of people getting CLI's sooner. So who knows.

[Creditwiser]

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@drewricomakeubu wrote:

I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went. 

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My recent two CLI's were 91 days apart.16k--> 20k & 20k-->25k.  Although previous intervals I can't recall, but Ive never been denied.

[markbeiser]

I've been getting CLIs 91ish days appart on my BCE card, went from $1k to $27k in 9 months and a few days.

[nytokyobred79]

As @SouthJamaica @mentions, Amex has been a bit all over the place depending on the spending patterns and profile. I haven't been able to get them to budge this year but was able to open a new account. However, from Octoberish 2021 to fall 2022, they were one of my main drivers and I was able to request 4 cli's within a 11 month period. So I think nowadays, relationship with them, spending and profile may outweigh the previous norms. But who really knows...

[SPChaser]

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@SouthJamaica wrote:

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@drewricomakeubu wrote:

I've tried searching but I can't find the exact verbiage I'm looking for. How often after the initial 90 day CLI can you request another CLI with Amex? I thought I had a good grasp on the subject, but I guess the info came and it went. 

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Conventional wisdom used to be 90 days from denial or 180 days from approval.

But lately there have been reports of people getting CLI's sooner. So who knows.

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@SouthJamaica thank you for posting this reply! I haven't been on top of Amex CLI trends and thought the 90/180 days still held firmly true . The last time wifey was approved for a CLI on her Delta Platinum was April 2023, so I planned to request again in October. I can happily confirm that the 180 days definitely aren't in stone; she was given a CLI of $25,000 to $30,000 ! This forum has done so much for our credit and continues to do so, thanks again everyone! 

[Webspry]

Obviously everyone is different. I've had a relationship with Amex for over 25 yrs. I currently have 5 Amex cards, 3 personal and 2 Business cards. I use the Platinum and Blue Everyday card, pretty much daily. In general I don't carry a balance on any cards. This is pretty much the same with the Discover Card and Chase Visa. I generally will have a score of 800-815 at any given time. No days I don't even bother checking scores but a few times a year. Mortgage recently paid off, one car has 20% left on balance. Utilization is probably less than 1%. I swipe a lot on the 2 Amex cards, a lot. Probably 10K a month, often more. My Blue card CL has been automatically increased by Amex over the last 5+ years. It's currently $26,500. I didn't ask once. I think its simply because I use the card. I'm wearing cards out 2-3 times a year. 

I would use and pay, use and pay, and wait at least 6 months before asking for a CLI. 
also consider adding their Checking and HYSA. Making regular deposits no matter what the amount. Not saying this helps, but every time I call them about something they always bring up the fact that I have these accounts as well. I've learned over the years that with any credit card, no matter what CL you have on a particular card, if you're not exercising it it's worthless to anyone.