Amex Preapprovals and CLIs

[Medic981]

I am gardening until 2020 for a Chase 5/24 card and so I am jonesing a little about additional cards. I was looking at Amex's cards and I am now preapproved for any card that they offer. I got the ED CC in July with a SL of $4,000 and 61 days later a CLI to $12,000. So if I understand correctly, you can request CLIs every 181 days afterward?

My question is how soon after a CLI can you app and be approved for an Amex card? Are they mutually exclusive or are there restrictions in getting CLI and approvals within 180 days of each other?

[Brian_Earl_Spilner]

They don't have anything to do with each other. CLI requests are 91 days from a denial, 181 days from an approval, and I believe that's for all cards so if you request for one card, the wait covers all your others. Rules for apping is 1 revolver in a 5 day period, 2 revolvers in a 90 day period. If you're showing pre-approved and not "expand your membership", it's pretty much a given.

[Medic981]

Thanks, Brian.

Amex says,

Medic981, you are pre-approved!

Get a decision in as little as 30 seconds.

But if I want my Chase 5/24 CC I must garden until at least September 2019.

[Medic981]

Correct me if I am wrong, but if I do mistakenly request a CLI early that does not reset the 181-day clock?

[Meanmchine]

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@Medic981 wrote:

Correct me if I am wrong, but if I do mistakenly request a CLI early that does not reset the 181-day clock?

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Your clock does not reset

[AverageJoesCredit]

181 days is beyween Amex cli approvals. My understsnding if you request a cli and its not granted, that resets the 91 day window off a denial. You must then wait another 91 days to request a cli.