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Amex Optima Card - CLI

Rebuild2022
Super Contributor

Amex Optima Card - CLI

I received Optima card last month. I am not sure about the limitations. I think we have to wait for 12 months before we apply for another Amex Card. Do we have to close Optima card at that time before applying for new card ? If we decide to keep Optima Card can we request CLI after having the card for 12 months ? Those of you who have this card please give me your suggestions.

Gardening since 08/2020
Message 1 of 27
26 REPLIES 26
joltdude
Community Leader
Senior Contributor

Re: Amex Optima Card - CLI

Going by memory.. You need to have Optima for at least 12 months.... before you can apply for anything else... You do not necessarily need to close it... In the past.. there was a time where you needed to close it before apping for the other.. You just got the card.. whats the rush... 

Credit is a marathon, not a sprint......

 

-J

 

Message 2 of 27
wasCB14
Super Contributor

Re: Amex Optima Card - CLI

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Optima-sucks/m-p/6041334#M1725535

 

No CLIs on the rebuilder Optima (not to be confused with the old non-rebuilder card Optima Platinum).

 

That's according to a former Amex employee two months ago.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 3 of 27
Rebuild2022
Super Contributor

Re: Amex Optima Card - CLI


@wasCB14 wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Optima-sucks/m-p/6041334#M1725535

No CLIs on the rebuilder Optima (not to be confused with the old non-rebuilder card Optima Platinum).

That's according to a former Amex employee two months ago.


Thanks. I was just curious after 12 months it might be eligbile for CLI. If not that is okay too. I have no desire to get into debt.  I know it is a rebuilder card with strings attached.

Gardening since 08/2020
Message 4 of 27
dacv01
Contributor

Re: Amex Optima Card - CLI

Per experience having it and my application- you cannot CLI during the 12 month probation period. You can keep Optima card open after, but from what I have seen CLI is unlikely or very minimal. The goal is to graduate to a big boy Amex after 12 months 



FICO: 620 Exp, 5 Inquiries, AAoC 4 years, AoOA 6 years, 11 months as of August 2020
Message 5 of 27
sjt
Senior Contributor

Re: Amex Optima Card - CLI


@Rebuild2022 wrote:

I received Optima card last month. I am not sure about the limitations. I think we have to wait for 12 months before we apply for another Amex Card. Do we have to close Optima card at that time before applying for new card ? If we decide to keep Optima Card can we request CLI after having the card for 12 months ? Those of you who have this card please give me your suggestions.


You have to wait 12 months for a CLI as well. You do not have to close your Optima account to get another Amex card. I have been able to get a few CLI on my Optima account. 

Keep in mind that the rules for the Optima account have changed and will probably continue to change. I'm still holding out for the ability to product change the account.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 6 of 27
sjt
Senior Contributor

Re: Amex Optima Card - CLI


@wasCB14 wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Optima-sucks/m-p/6041334#M1725535

 

No CLIs on the rebuilder Optima (not to be confused with the old non-rebuilder card Optima Platinum).

 

That's according to a former Amex employee two months ago.


That is incorrect. You can request and receive a CLI after 12 months. It is not upgradable at this time.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 7 of 27
wasCB14
Super Contributor

Re: Amex Optima Card - CLI


@sjt wrote:

@wasCB14 wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Optima-sucks/m-p/6041334#M1725535

 

No CLIs on the rebuilder Optima (not to be confused with the old non-rebuilder card Optima Platinum).

 

That's according to a former Amex employee two months ago.


That is incorrect. You can request and receive a CLI after 12 months. It is not upgradable at this time.


Could be. Most people move on to greener pastures once eligible.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 8 of 27
Rebuild2022
Super Contributor

Can PC Amex Optima after 12 months

I know Amex does not like any thing done for 12 months when we get Amex Optima Card. Does any one know after 12 months, if we can do Product Change from Amex Optima  to a different Amex Product. Also if we can get a CLI on the Amex Optima Card after 12 months ?

Gardening since 08/2020
Message 9 of 27
blindambition
Community Leader
Senior Contributor

Re: Can PC Amex Optima after 12 months

I'm almost 100% positive Optima isn't eligible to PC.

Message 10 of 27
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