Amex ED card cli help

[Anonymous]

So I applied for a Amex ED card last week and was approved however the cl assigned to me is very low (1k) so I call Amex and spoke with a rep about my concern of low cl and that I was not even going to activate the card. The rep I was talking to told me that once I receive the card (which I did today) to call back and request a cli. I asked the her if I need to wait 60 day or 6 months before I can request a cli and she said I can request a cli even before I activate my card. However my concern is if it would be affective to request a cli now or not because all the research I have done so far it seems like you can't request a cli before 60 day and was wonder is there a policy change that Amex did or has that alway been the case and cli request just get denied if requested before the 60 day.

Should I request a cli now or just wait it out till the 60 day period.

[pizza1]

Someone with more experience will chime in here, but there have been a few isolated incidences of posters getting CLI at activation. But the real consensus is to wait it out and request 3x your limit on day 61 after approval for better results.

and welcome to the forums!!! Glad to have you

[Anonymous]

Thank you!!!!

[pizza1]

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@Anonymous wrote:
Thank you!!!!

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Youre welcome!!  Stick around the forums, and read!  Lots of good info here, and theres an official thread on Amex 61 dayCLI.. Reaserch these boards...Tons of good info, and dont be afraid to ask questions just like you did tonight  My gut tells me your $1k approval could have been maybe a borderline approval, and I would wait out the 61 days, and then request 3x your limit, and no more..

Show them usage and payments, and you should get the CLI at 61 days

[Skye12329]

It wont really matter if you activate the card or not, it will still go on your credit report. Activating it is mainly for security measure to confirm you received the card. As for the CLI request. You can attempt to request a increase in the line, some have had success doing it when they got the card right away. Others have gotten a denial saying too new of account or want to see how you handle the card. 

So either way its a your mileage may vary sort of deal. It should be a soft pull when requesting a larger line, if denied, just wait the 61 days and ask again. Without knowing a whole lot of information about your credit profile, no one would really know why you got a 1k starting line besides the Amex computer. Credit lines are usually based on creditworthiness.

[Anonymous]

Approved for ED card on 3/30 for $4500. Requested and received immediate CLI approval for $13500 on 4/14.

If you take a look at the definitive thread, most people are not having to wait 61 days, and the OP post shows that the process has changed and the thread is in process of being updated.

That being said everyone's file is different and YMMV, but seems like most are having success.

I'm waiting for mine to hit my report as it will be my highest limit card, then I'll bring trying for that CSP

Good luck !!

[Anonymous]

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@Anonymous wrote:
So I applied for a Amex ED card last week and was approved however the cl assigned to me is very low (1k) so I call Amex and spoke with a rep about my concern of low cl and that I was not even going to activate the card. The rep I was talking to told me that once I receive the card (which I did today) to call back and request a cli. I asked the her if I need to wait 60 day or 6 months before I can request a cli and she said I can request a cli even before I activate my card. However my concern is if it would be affective to request a cli now or not because all the research I have done so far it seems like you can't request a cli before 60 day and was wonder is there a policy change that Amex did or has that alway been the case and cli request just get denied if requested before the 60 day.

Should I request a cli now or just wait it out till the 60 day period.

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You need to give us more information.  The 61 days does not apply any longer.  Any approval for a CLI is going to be based on your credit file.  If you give details like scores, any baddies, etc, then we can give you a better idea whether to try now or wait.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
So I applied for a Amex ED card last week and was approved however the cl assigned to me is very low (1k) so I call Amex and spoke with a rep about my concern of low cl and that I was not even going to activate the card. The rep I was talking to told me that once I receive the card (which I did today) to call back and request a cli. I asked the her if I need to wait 60 day or 6 months before I can request a cli and she said I can request a cli even before I activate my card. However my concern is if it would be affective to request a cli now or not because all the research I have done so far it seems like you can't request a cli before 60 day and was wonder is there a policy change that Amex did or has that alway been the case and cli request just get denied if requested before the 60 day.

Should I request a cli now or just wait it out till the 60 day period.

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You need to give us more information.  The 61 days does not apply any longer.  Any approval for a CLI is going to be based on your credit file.  If you give details like scores, any baddies, etc, then we can give you a better idea whether to try now or wait.

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No need to wait 61 days, just until you recieve your card then you can put in the request online

[CreditCuriosity]

Your credit profile has to support an early CLI or it will just be a waste and have to wait another 90 days.. I learned this the hard way, my experian was any thing but strong when I did an early one and of course denied.. IMO if you are in the high 600's wait the 61 days so AMEX gets some feeling for you and you "might" have a better shot at getting approved..  After I showed them more useage I got approved on my next request after the 90 days past. YMMV as always, just my 2 cents.

[ojefferyo]

You can ask for an initail CLI any time after you get approved. Whether you get approved or not is a whole different story.