Both of my clis this year were after 90 days give or take a few days.
Oh. I haven't seen anyone get one.
@Anonymous wrote:
@peghede wrote:@Not a single cli to 25k or more...is System capped @25k ?
Yes - the most the computer can approve (and the max result of pressing the max button) is $25k. To get more you would need to enter the amount you want, and expect it to go straight to an analyst for HP and review. you can go up to $50k on everything but Flagship, which goes up to $80k.
I don't recall seeing anybody report getting a CL larger than $25k without a HP, however it has been reported to be done with a HP but without going to review. @Anonymous went from $22.1k to $27.1k on his GoRewards with a HP but without analyst review (it was insta-approved), details here. I would say it's very YMMV, though, and as you mention one should at least expect requests that will push the CL over $25k to be reviewed and take a few days.
On the flip-side, back in September I went for a CLI on my Platinum after the AR and it went directly to review... after a HP and a couple of days wait my CL went from $15.3k to $20k. I used the 'max' button, and ironically $20k was what I was hoping for so it worked out OK (other than the pesky HP, of course). Even though I got a HP after the AR, I still say that anecdotally the best chances of avoiding the HP is to wait for the AR, but of course even then it's YMMV. 
@UncleB wrote:
@Anonymous wrote:
@peghede wrote:@Not a single cli to 25k or more...is System capped @25k ?
Yes - the most the computer can approve (and the max result of pressing the max button) is $25k. To get more you would need to enter the amount you want, and expect it to go straight to an analyst for HP and review. you can go up to $50k on everything but Flagship, which goes up to $80k.
I don't recall seeing anybody report getting a CL larger than $25k without a HP, however it has been reported to be done with a HP but without going to review. @Anonymous went from $22.1k to $27.1k on his GoRewards with a HP but without analyst review (it was insta-approved), details here. I would say it's very YMMV, though, and as you mention one should at least expect requests that will push the CL over $25k to be reviewed and take a few days.
On the flip-side, back in September I went for a CLI on my Platinum after the AR and it went directly to review... after a HP and a couple of days wait my CL went from $15.3k to $20k. I used the 'max' button, and ironically $20k was what I was hoping for so it worked out OK (other than the pesky HP, of course). Even though I got a HP after the AR, I still say that anecdotally the best chances of avoiding the HP is to wait for the AR, but of course even then it's YMMV.
This is correct, I did not hit the max button. I put in the increase I wanted. In my case I requested 5k and 3 seconds later, approved.
