The Definitive Amex 3X CLI Guide

[Anonymous]

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@teroff wrote:

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

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Congrats on the approval and welcome to MYFICO.  The 3x CLI is no longer set in stone.  You can request that once your card gets activated but you may be asked for tax returns or income verification if they feel they need proof..

It will all depend on your credit profile...

[Anonymous]

Thanks,

I will give it a shot. 

I already have Costco Amex with $9000 CL and my FICO score was 780 before I got AmEx BCE

[Anonymous]

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@teroff wrote:

Thanks,

I will give it a shot. 

I already have Costco Amex with $9000 CL and my FICO score was 780 before I got AmEx BCE

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Excellent, update us should you decide to ask for a CLI...

[j615]

I wanted to share that my BCE just arrived in the mail today. I activated it online, set my card alerts, and then decided to give the 3X CLI a shot. The card was initially approved for $4000, so I nervously requested for $12,000 online. Instant approval.

This is my first Amex account as a primary. The only other card I have with Amex is the TrueEarnings as an AU. I also would like to add that the BCE was not backdated to reflect the TrueEarnings Card (AU).

[SunriseEarth]

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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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If 7/8 is your 181st day, you should be eligible to request on either BCE or ED on that day.  

[MustangSaluki]

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@Anonymous wrote:

I CONFIRM THAT YOU CAN REQUEST 3X CLI UPON ACTIVATION (NO 60 DAYS) AND YOU CAN BE APPROVED FOR FULL AMOUNT AFTER 7-10 DAYS MESSAGE

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Catching up after a long time and now it seems this is the major change happening since maybe beginning of the year or thereabouts. Are there any other things besides this that needs to be updated in OP? I am still going to leave most of the guide intact noting only this major change.

Thanks in advance.

[Anonymous]

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@Anonymous wrote:

I CONFIRM THAT YOU CAN REQUEST 3X CLI UPON ACTIVATION (NO 60 DAYS) AND YOU CAN BE APPROVED FOR FULL AMOUNT AFTER 7-10 DAYS MESSAGE

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Interesting. With no action required or did you have to call in?

[Anonymous]

Got approved for Amex ED With 2k. Waiting for the card now. should I go for a 3x CLI upon activation?

[Anonymous]

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@Anonymous wrote:
Got approved for Amex ED With 2k. Waiting for the card now. should I go for a 3x CLI upon activation?

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Congrats on the approval.  The 3x CLI is no longer set in stone.  You can request that once your card gets activated but you may be asked for tax returns or income verification if they feel they need proof..

It will all depend on your credit profile...

[Anonymous]

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@teroff wrote:

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@Anonymous wrote:
Got approved for Amex ED With 2k. Waiting for the card now. should I go for a 3x CLI upon activation?

---

Congrats on the approval.  The 3x CLI is no longer set in stone.  You can request that once your card gets activated but you may be asked for tax returns or income verification if they feel they need proof..

It will all depend on your credit profile...

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That's the same as it always has been.  3X CLI was never set in stone or guaranteed.