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The Definitive Amex 3X CLI Guide

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dallasjetfan
Established Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread


@baller4life wrote:
9/5. Day early

CSR told me I was aday early also.  Said to try back today.  Got same 7-10 day message.  Calling back now to close account.  See if they will recon.  If not I don't need them.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 951 of 5,432
dallasjetfan
Established Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread

They are going to manually review and said will have a status by Tuesday.  We will see by Tueday if I decide to keep or dump.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 952 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide Discussion Thread

I've read this excellent thread. My 61 days is coming soon to request a CLI on my BC. I requested and got a CLI increase on my Fidelity Amex like 1 month ago. Since this card never appeared on my Amex profile and it's managed now or soon by BofA, I guess this will not require the 180-days wait, right? Can someone else confirm this?

Thanks

Message 953 of 5,432
09Lexie
Moderator Emerita

Re: The Definitive Amex 3X CLI Guide Discussion Thread


@Anonymous wrote:

I've read this excellent thread. My 61 days is coming soon to request a CLI on my BC. I requested and got a CLI increase on my Fidelity Amex like 1 month ago. Since this card never appeared on my Amex profile and it's managed now or soon by BofA, I guess this will not require the 180-days wait, right? Can someone else confirm this?

Thanks


Welcome to the forum.  This thread is for Centurion Bank issued Amex cc's only.  Cards issued by FIA, BoA, FNBO, etc have their own CLI policy. 

Message 954 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide Discussion Thread


@09Lexie wrote:

@Anonymous wrote:

I've read this excellent thread. My 61 days is coming soon to request a CLI on my BC. I requested and got a CLI increase on my Fidelity Amex like 1 month ago. Since this card never appeared on my Amex profile and it's managed now or soon by BofA, I guess this will not require the 180-days wait, right? Can someone else confirm this?

Thanks


Welcome to the forum.  This thread is for Centurion Bank issued Amex cc's only.  Cards issued by FIA, BoA, FNBO, etc have their own CLI policy. 


Thank you for confirming that. That's what I thought. I will go ahead with 3xCLI with my BC.

Message 955 of 5,432
Man-Of-Steel
Established Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread

More Amex CLI Success!!  New credit line: $26,000

 

Initial CL (May 2013): $3,500

 

61 day 3X CLI (July 2013): $10,500

 

2nd CLI (March 2014): $24,000

 

3rd CLI (September 2014): $26,000

 

Amex Utilization @ 3rd CLI: 2.1%
Overall Utilization @ Last EX Soft Pull: 2.7%
Ratio of Income/(Overall Available Credit) (4 decimal places): 2.1764
Number of new credit lines opened since opening Amex account or last Amex CLI: 2 new accounts have been opened since the Amex BCE account was opened. The most recent account was opened in January 2014.
Total $$ value of all transactions since last Amex CLI in March: $3455

 

Note: My initial account approval and all 3 CLI requests have been instant approvals! Unless something dramtically changes for me financially, this will be my final CLI request for my BCE account. I am beyond thrilled with the success I've had with this Amex account so far. Thanks again to everyone who has provided valuable information in this thread/guide. Good luck to those of you who are still seeking Amex CLIs! Smiley Happy

Message 956 of 5,432
Dalanar
Regular Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread


@Man-Of-Steel wrote:

More Amex CLI Success!!  New credit line: $26,000

 

Initial CL (May 2013): $3,500

 

61 day 3X CLI (July 2013): $10,500

 

2nd CLI (March 2014): $24,000

 

3rd CLI (September 2014): $26,000

 

@Anonymous Utilization @ 3rd CLI: 2.1%
@Overall Utilization @ Last EX Soft Pull: 2.7%
Ratio of Income/(Overall Available Credit) (4 decimal places): 2.1764
Number of new credit lines opened since opening Amex account or last Amex CLI: 2 new accounts have been opened since the Amex BCE account was opened. The most recent account was opened in January 2014.
Total $$ value of all transactions since last Amex CLI in March: $3455

 

Note: My initial account approval and all 3 CLI requests have been instant approvals! Unless something dramtically changes for me financially, this will be my final CLI request for my BCE account. I am beyond thrilled with the success I've had with this Amex account so far. Thanks again to everyone who has provided valuable information in this thread/guide. Good luck to those of you who are still seeking Amex CLIs! Smiley Happy


Congratz! I don't think the general public is aware oh how fast you can increase your CL with AMEX if you play the cards right.  I recently gotten an increase to $24,900 from an initial $8300 myself.  I would've never asked for such a large increase had I not known of this forum. 

Experian: 729 Equifax: 740 Transunion: 732
Capital One Mastercard: $0.4K, Capital One Quicksilver: $5K, Chase Southwest Premier: $7.5K, Amex Blue Cash Everyday: $24.9K, Discover It: $9.4K, Chase Sapphire Preferred: $16.9K, Citi Hilton HHonors Reserve: $7.7K, Arrival+ BarclayCard MC WE: $7.5K
Message 957 of 5,432
Man-Of-Steel
Established Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread



@Dalanar wrote:

Congratz! I don't think the general public is aware oh how fast you can increase your CL with AMEX if you play the cards right.  I recently gotten an increase to $24,900 from an initial $8300 myself.  I would've never asked for such a large increase had I not known of this forum. 


Thanks Dalanar.  Congratulations on your increase as well!  The concept of customer initiated CLIs is a fairly new concept to me.  I've learned a lot about credit since obtaining this Amex account in May of last year.

Message 958 of 5,432
dallasjetfan
Established Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread


@Dalanar wrote:

@Man-Of-Steel wrote:

More Amex CLI Success!!  New credit line: $26,000

 

Initial CL (May 2013): $3,500

 

61 day 3X CLI (July 2013): $10,500

 

2nd CLI (March 2014): $24,000

 

3rd CLI (September 2014): $26,000

 

@Anonymous Utilization @ 3rd CLI: 2.1%
@Overall Utilization @ Last EX Soft Pull: 2.7%
Ratio of Income/(Overall Available Credit) (4 decimal places): 2.1764
Number of new credit lines opened since opening Amex account or last Amex CLI: 2 new accounts have been opened since the Amex BCE account was opened. The most recent account was opened in January 2014.
Total $$ value of all transactions since last Amex CLI in March: $3455

 

Note: My initial account approval and all 3 CLI requests have been instant approvals! Unless something dramtically changes for me financially, this will be my final CLI request for my BCE account. I am beyond thrilled with the success I've had with this Amex account so far. Thanks again to everyone who has provided valuable information in this thread/guide. Good luck to those of you who are still seeking Amex CLIs! Smiley Happy


Congratz! I don't think the general public is aware oh how fast you can increase your CL with AMEX if you play the cards right.  I recently gotten an increase to $24,900 from an initial $8300 myself.  I would've never asked for such a large increase had I not known of this forum. 


I was not so lucky.  I was told my BK from 9 years ago was part of the decision.  Well I will still have same issue a year from now and these inquiries and BK were apart of the approval process two months ago.  Congrats to all the people who were able to get big CLI's.  I went ahead and closed my account.  Now at least I will never have to fear a FR with AMEX.

Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Message 959 of 5,432
--HighHopes--
Regular Contributor

Re: The Definitive Amex 3X CLI Guide Discussion Thread

MyFico/Other Handle: HighHopes
Initial CL: $1,200
Requested CL: $3,600
61 day/181 day CLI: 61 day
Amex Utilization @ CLI: 0%
Overall Utilization @ Last EX Soft Pull: bearly under 2%
Ratio of Income/(Overall Available Credit) (4 decimal places):
Number of new credit lines opened since opening Amex account or last Amex CLI: 3 new accounts and 1 SP PC
Total $$ value of all transactions since Amex account opening or last Amex CLI: $1,250

Okay...somebody help me out here...My 61st day was actually yesterday but I waited until today to make sure. I went online and submitted my request and got the 7-10 day message. My last SP on Experian was on 8/29 and my usage at that time was the above. I chatted into customer service and they said it showed I had been declined but didn't show reasons would have to wait for letter or call into CS so I called in. The rep on the phone said they didn't even show where I had requested a CLI so they went ahead and redone it over the phone with the same result 7-10 days letter by mail. My score when I got the card was 708 and now it is 698 due to the 3 new accounts and the HP's that came with them, but that doesn't seem to be that great of a difference? The new accounts all have $0 balances on them too, but I do have 2 older cards with a little less than 1% on each of them so total util is still a little bit less than 2%. What the heck?!?!?! Is there anything I can do??




Message 960 of 5,432
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