cancel
Showing results for 
Search instead for 
Did you mean: 

The Definitive Amex 3X CLI Guide

tag
kawaiiguy
Established Member

Re: The Definitive Amex 3X CLI Guide


@Anonymous wrote:

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? 


 

I only use the BCE after I have filled up my Sallie Mae cash back limit for the month which usually ends up being just a couple hundred bucks on the BCE, which I pay off monthly, and that is about all I use the BCE for and have ever used it.  So they had no prob bumping me 2 to 6 to 18 with little to no spend on the card.


Message 1711 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide

I applied for a BCE and was instantly approved for $10k yesterday. Should I try the CLI right away, or should I wait until the 61st day to try the CLI? Thanks in advance Smiley Happy!

Message 1712 of 5,432
kawaiiguy
Established Member

Re: The Definitive Amex 3X CLI Guide


@Anonymous wrote:

I applied for a BCE and was instantly approved for $10k yesterday. Should I try the CLI right away, or should I wait until the 61st day to try the CLI? Thanks in advance Smiley Happy!


 

If you just opened the card and want more then you would need to ask for a recon, not CLI, usually dont "increase" the limit right at opening, they reconsider your initial limit granted based on your specific financial situation instead of just your score and then maybe give you more.  Also, i think the 3x CLI is after 90 days, but that might have changed, I am not totally sure.


Message 1713 of 5,432
newhis
Valued Contributor

Re: The Definitive Amex 3X CLI Guide


@Anonymous wrote:

I applied for a BCE and was instantly approved for $10k yesterday. Should I try the CLI right away, or should I wait until the 61st day to try the CLI? Thanks in advance Smiley Happy!


If you haven't requested a CLI before in any of your Amex cards (or 90 days from denial, 180 from approval), you can request at activation or any time after that.

 

I really don't know if your chance will improve in 60 days or not, it old depends on use, when they SP you in the future, your use on other cards, ... Who can say that with the pull they have they won't increase you, or maybe they can increase your limit at activation but then your use/payment remove that option at 61 days?

 

I got only 2k limit, so I tried the 3x before the statement cut, so the card started reporting 6k and not 2k. It looks better to have a 6k card from the start than a 2k card going to 6k after 2 months.

 

Do you have other cards with 10k or more limit? 

 

If you try the full 3X and they ask for documents, you can go back and try for a lower amount until they approve you (that's what I read). Good luck

Message 1714 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide


@newhis wrote:

@Anonymous wrote:

I applied for a BCE and was instantly approved for $10k yesterday. Should I try the CLI right away, or should I wait until the 61st day to try the CLI? Thanks in advance Smiley Happy!


If you haven't requested a CLI before in any of your Amex cards (or 90 days from denial, 180 from approval), you can request at activation or any time after that.

 

I really don't know if your chance will improve in 60 days or not, it old depends on use, when they SP you in the future, your use on other cards, ... Who can say that with the pull they have they won't increase you, or maybe they can increase your limit at activation but then your use/payment remove that option at 61 days?

 

I got only 2k limit, so I tried the 3x before the statement cut, so the card started reporting 6k and not 2k. It looks better to have a 6k card from the start than a 2k card going to 6k after 2 months.

 

Do you have other cards with 10k or more limit? 

 

If you try the full 3X and they ask for documents, you can go back and try for a lower amount until they approve you (that's what I read). Good luck


I have an Amex Pllat and Gold card, I have Chase cards with more than 10K limits......so I should just try the CLI now?

 

And since I haven't physically received the card yet, should I still do the CLI now, or wait until I have it in my hands?

 

EDIT: Seems like when I went to the increase CLI option, it says I need my card since it asks for the 4 digit security code which I do not have.

Message 1715 of 5,432
blakatl
Established Member

Re: The Definitive Amex 3X CLI Guide

My inital credit line was 3000 in december of 2014.

 

I received auto increases to 4300 and  5800 every six months

 

My last auto increase was to 8200 2 days ago

 

I hit the button 2 minutes ago and got increase to my requested amount of $21,000

 

My income is 300k  with 1 percent utl and one 30 day late last year on a car

 

Perfect paying history with Amex and ALL of my credit cards.  Never late.

 

Hope this helps somebody

Message 1716 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide


@blakatl wrote:

My inital credit line was 3000 in december of 2014.

 

I received auto increases to 4300 and  5800 every six months

 

My last auto increase was to 8200 2 days ago

 

I hit the button 2 minutes ago and got increase to my requested amount of $21,000

 

My income is 300k  with 1 percent utl and one 30 day late last year on a car

 

Perfect paying history with Amex and ALL of my credit cards.  Never late.

 

Hope this helps somebody


Very nice... Congrats and thanks for sharing.

Message 1717 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide

I upped mines from 5k to 15k Jan 14th is my 6 months to up for 25k June 14th or July 14th a little confused please help thanks
Message 1718 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide


@Anonymous wrote:
I upped mines from 5k to 15k Jan 14th is my 6 months to up for 25k June 14th or July 14th a little confused please help thanks

It is July 14th for you.  180 days from the last increase..

Message 1719 of 5,432
Anonymous
Not applicable

Re: The Definitive Amex 3X CLI Guide

Hello all.

 

I've just got approval for AmEx BCE with $15,000 credit limit. Should I use 3x CLI after 60 days or it's too much with current Credit Limit?

 

Thanks

Message 1720 of 5,432
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.