The Definitive Amex 3X CLI Guide

[newhis]

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@googlre10 wrote:

My amex story. Not good not bad

Got my AMEX BCE first 3xCLI on Jan,5,2015

My next 3xCLI would be on July 8th.

Meanwhile got my new Amex ED approved on May 26,2015. Got my new card arrived June 1,2015. Tried for CLI after activation. Huh bummer. 7-10 days message and later got email CLI denied. Checked with CSR and being told " Credit limit increased in last 6 months"

Now question to all.

Do i need to wait for another 90 days from June,1,2015 to ask for next 3xCLI from last denial date? or 181th day from last sucessful CLI date?

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Wait for July.

A denial for not being eligible doesn't reset the clock. You can only ask for 1 card, so you need to choose between BCE and ED. Good luck

[Outdoorstech1]

I received my AMEX BCED card in March. Tried 3x cli upon activation said it could not be completed. I waited 61 days and tried for a CLI last Monday and was denied and sent a letter. When do I try for another CLI, another 61 or 180 days? 

[newhis]

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@Outdoorstech1 wrote:

I received my AMEX BCED card in March. Tried 3x cli upon activation said it could not be completed. I waited 61 days and tried for a CLI last Monday and was denied and sent a letter. When do I try for another CLI, another 61 or 180 days? 

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After 90 days from your request at activation. Did you get the letter yet?

[Anonymous]

Got my ED card yesterday. Starting CL was $9k, tried the CLI on activation for $20k, got the 7-10 day message. I hope it's not a denial or a FR. Been an Amex user for 5 years, used my Zync for an average of $1k a month until I just app'd for the PRG and ED last Saturday.

[Anonymous]

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@Anonymous wrote:
Got my ED card yesterday. Starting CL was $9k, tried the CLI on activation for $20k, got the 7-10 day message. I hope it's not a denial or a FR. Been an Amex user for 5 years, used my Zync for an average of $1k a month until I just app'd for the PRG and ED last Saturday.

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Sorry to hear and I hate to break this to you but getting that message is a denial..

[Anonymous]

Yeah if I don't hear anything by the morning I might call the CSR and see if they can try for a lower CLI. I read of others doing that in the thread, though that depends if it's been a straight denial yet or not.

[kawaiiguy]

Just another happy story...  I had an Optima card back in 98, closed the account (there is a good chance that it was a write-off but honestly can't remember) and re-opened the Blue Cash Everyday card in Spring 2014, they dated the open date to 1998 (sweet) and gave me a lousy CL of $2k (prolly due to our not-so-perfect history).  I tried the 3x CL increase at 6 mo and they denied me.  It took a few tries but after about 9 months they gave in as my scores crept up a little bit and my balances came down a lil more and increased me to $6k.  So today again at the 6 month mark I requested $18k limit and BAM in under a second approved.  I wish I would have asked for even more just to see what they granted me, but the 3x CL worked yet again.  Haven't had a hard pull from them since I apped the account, so they def are still working in-house pretty much on that.  Such a great card and company to have in my pocket.  Last month's scores were 784/784/806 with 6% utilization across the board.

[Anonymous]

I got my BCE on 3/13/15 and the 3x CLI was shot down immediately. I tried again in March and was turned down once again and not eligible for the 3x CLI review until 7/13/15. Without going into the story again on here, I'll post the link to the latest saga instead: 

http://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-Head-Scratcher-Resolved/td-p/4055892

Anyway, I guess I'm one of the ones who got lucky because of circumstances and got the 3x CLI earlier than 90 days! 

[kawaiiguy]

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@Vulcan1600 wrote:

I got my BCE on 3/13/15 and the 3x CLI was shot down immediately. I tried again in March and was turned down once again and not eligible for the 3x CLI.

So I read your saga...  So in the end was it technically a recon of your initial limit 2k-> 6k?  From everything that I know and read due to the CC act crap they can't consider you for CLI any closer than 6 mo apart.  I still dont know how they get away with giving out CLI after 90 days of account open (the 90 days and 3x CLI thing), I guess cuz technically acount opening is not a "CLI" per say...?  Whatever the case congrats... it took me a bit longer to get in their good graces cuz I was a bit active on my report for their taste, but once it calmed down they are more than willing to dish out the credit now!  LoL

[Anonymous]

My 181 days will be here in about 2 months. My usage on the card has dropped way down the last couple of months, mostly due to trying to meet the spend on my CSP. Will I give myself a better shot at the full 3x CLI if I jack my usage on the card back up heading into the 181st day?