The Definitive Amex 3X CLI Guide

[Imperfectfuture]

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@Anonymous wrote:

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@taxi818 wrote:
Yeah. That's kinda common sense wouldn't you say?

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That's unusual around here.

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Now be nice, I only see that analogy correct for around 25% (give or take)  

[taxi818]

Well percentage wise I dont know. But I would say the majority has it. Common sense. Hence common. 😞

[InOZmK]

First round worked for me like a charm!  $1k to $3k.  Looks like a late April, early May timeframe for me.  FYI, I was at about 38% utilization, but had previously made payments that brought the balance down to about 10% utilization.

[lord_kinbote]

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@InOZmK wrote:

First round worked for me like a charm!  $1k to $3k.  Looks like a late April, early May timeframe for me.  FYI, I was at about 38% utilization, but had previously made payments that brought the balance down to about 10% utilization.

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So this is where I have questions; is one only suppose to ask for 3x your initial credit limit?  So in your example, I am assuming you asked for 3k.  What would happen if you ask for 25k first time out of the gate?  Would Amex counter, accept, or auto deny?  When I app'd, my file was extemely thin - I was just an AU, so I only got approved for 2k.  My income is 6 figure, so I would be more than happy to submit supporting documentation to receive a more fitting limit.  However, I guess everyone is doing what is known to work.  I am just curious about other scenarios.

[Anonymous]

Tomorrow is the big day. Might not do it until Monday though

From what I understand, it's no longer an instant denial if you ask for more than 3x. They will counter. If you qualify for 3x, that is the max you'll get.

[Anonymous]

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@Anonymous wrote:
Tomorrow is the big day. Might not do it until Monday though

From what I understand, it's no longer an instant denial if you ask for more than 3x. They will counter. If you qualify for 3x, that is the max you'll get.

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The 28th is my 62nd day on my ED. I wonder if my CLI from July on my BSP will affect it.

[Billycatbell]

My 61 day is Monday 10/27 as well. Not to confident in gettng increase though.  Credit score 711 on experian but have opened 10 new accounts this year.  However, none since amex.  I have 12 inquires wwith AA of A 8 yrs and oldest acct 23.  Several late payments 1,5 yrs ago.  I was approved for Delta Sky miles at $5500.  Anyone had any luck with this type of profile.  Thanks

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Tomorrow is the big day. Might not do it until Monday though

From what I understand, it's no longer an instant denial if you ask for more than 3x. They will counter. If you qualify for 3x, that is the max you'll get.

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The 28th is my 62nd day on my ED. I wonder if my CLI from July on my BSP will affect it.

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Do it. Best way to find out. (Don't listen to me)

[taxi818]

I say chances are good. Now way I worry about it. They either say yea or nea. Then you will know. I really think amex approves limit from day 1 and just releases it on day 61. To make us sweat. But my opinion only. I only seen people denied who apped after card. But I can be wrong. Even high util got it. So it's a mystery until you click it.

[lord_kinbote]

So what is the consensus in regards to asking more than 3x, will amex now counter instead of deny?