The Definitive Amex 3X CLI Guide

[dabearsv2]

If my income is $57750, then Amex will only give up to 40%?

My CL is currently 15k and I was going to request 25k (to avoid verification). Based on this tidbit, I should only request 23.1k CL?

[Imperfectfuture]

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@dabearsv2 wrote:

If my income is $57750, then Amex will only give up to 40%?

My CL is currently 15k and I was going to request 25k (to avoid verification). Based on this tidbit, I should only request 23.1k CL?

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Personally, I tend to request less, but it's up to you, and the amount of credit you want spread around cards,

[dabearsv2]

I requested 23k and was countered immediately at $21,900. I accepted. (even if I hate that its not a nice even number! lol)

MyFico/Other Handle: dabearsv2
Initial CL: $15,000
61 day/181 day CLI: 181 day CLI
Amex Utilization @ CLI: 14.2%
Overall Utilization @ Last EX Soft Pull: 11.9%
Ratio of Income/(Overall Available Credit) (4 decimal places): 0.9692
Number of new credit lines opened since opening Amex account or last Amex CLI: 3
Total $$ value of all transactions since Amex account opening or last Amex CLI:  $12,880

Approved for: $21,900 CL

[nitrov]

MyFico/Other Handle: nitrov
Initial CL: $5,500
61 day/181 day CLI: 61 day CLI
Amex Utilization @ CLI: 0% (PIF before 2nd statement)
Overall Utilization @ Last EX Soft Pull: 19%
Ratio of Income/(Overall Available Credit) (4 decimal places): 0.5
Number of new credit lines opened since opening Amex account or last Amex CLI: 0
Total $$ value of all transactions since Amex account opening or last Amex CLI:  $1,500

Approved for: 7-10 day response, so probably declined

[Anonymous]

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@nitrov wrote:

MyFico/Other Handle: nitrov
Initial CL: $5,500
61 day/181 day CLI: 61 day CLI
@Anonymous Utilization @ CLI: 0% (PIF before 2nd statement)
@Overall Utilization @ Last EX Soft Pull: 19%
Ratio of Income/(Overall Available Credit) (4 decimal places): 0.5
Number of new credit lines opened since opening Amex account or last Amex CLI: 0
Total $$ value of all transactions since Amex account opening or last Amex CLI:  $1,500

Approved for: 7-10 day response, so probably declined

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Most likely Declined. Yes.

You could call in and ask them to review the request.

[NRB525]

MyFico/Other Handle: NRB525
Initial CL: 2,000 (AMEX raised it to 3,000 July 2014)
61 day/181 day CLI: > 181 days
Amex Utilization @ CLI: 21.8%
Overall Utilization @ Last EX Soft Pull: TU recent estimate 32%
Ratio of Income/(Overall Available Credit) (4 decimal places): 0.7920
Number of new credit lines opened since opening Amex account or last Amex CLI: 1 since last CLI they initiated
Total $$ value of all transactions since Amex account opening or last Amex CLI: $2,665 since July 2014

Went through the automated method tonight, requested $9,000 as it is 3x, instant approval to $9k CL

[Anonymous]

Great writeup! I do have a question though. I already have 10K CL, but I don't necessarily need a 30k CL. Can I request a CI, but not 3x? If I can, do I call customer service, and request the CI I would like? Thanks!

[Josh611]

Have a question for you guys. I opened my first amex on 9/10/14. I believe tomorrow will be my 61st day. Am I correct?

[Aarvard]

MyFico/Other Handle: Aarvard
Initial CL: $2,000
61 day/181 day CLI: 61 day CLI
Amex Utilization @ CLI: 0% 
Overall Utilization @ Last EX Soft Pull: 1%
Ratio of Income/(Overall Available Credit) (4 decimal places): 5.8304
Number of new credit lines opened since opening Amex account or last Amex CLI: 0
Total $$ value of all transactions since Amex account opening or last Amex CLI:  $280

Instant approval to $6,000. I'm looking forward to requesting another 3X CLI in May lol

[NRB525]

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@Anonymous wrote:

Great writeup! I do have a question though. I already have 10K CL, but I don't necessarily need a 30k CL. Can I request a CI, but not 3x? If I can, do I call customer service, and request the CI I would like? Thanks!

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In the screens, you put in the amount you are requesting to be your new CL. This thread is communicating out that the automated method is authorized to approve you up to 3x automatically, IF you pass the data analysis that has been developed about your account from repeated SP inquiries. The point is, if you want to, you can go for 3x. It is not at all mandatory.

If you want to ask for less, you are free to do that. As far as I know, you could go from $10,000 to ask for a new CL of $10,100 and it would pass. Then, you have to wait 6 months for the next auto CLI request.