The Definitive Amex 3X CLI Guide

[Anonymous]

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@razorback82 wrote:

Hello Everyone,

I have called the CSR and backdoor credit department and both are telling me its a HP for CLI. I have had my Everyday card for 9 months and would like to apply but not if its a HP.

Did something change?

Thanks

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Ignore what they told you.  It's not a HP

[nitrov]

App online for the cli. I just did one and was told it was a hp by the csr when they called me for my fraud alert, but it was in fact just an sp

[Anonymous]

Did the 3x CLI request online and went from my $5k limit to $15k Should help my utilization next month

[razorback82]

Woop Woop

Applied online for a CLI and got it!!! 3k to 9k with a SP (EVEN though CSR claimed it's a HP)

Thanks for all of the help and knowledge from everyone here.

[Anonymous]

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@linux007969 wrote:

I just tried for an increase on my Everyday Card, i asked to go from $2k to $4k and i got a message about being notified in 7 to 10 days........

Then i instantly got an email from Amex asking to call.....

We've finished reviewing your credit limit increase request. To get the details of our decision please contact our Customer Care team at your earliest convenience by calling 1-800-535-7790.

We look forward to hearing from you soon.

Thank you for your Card Membership.

American Express Customer Care

Any thoughts? I haven't seen this message before..... do they maybe have a counter offer to take my limit to $3k or do they just need to make sure its me asking for the increase? I tried to call but their closed and i even called regular customer service and they couldn't help me, so i will try back tomorrow if i can, but any idea why i got this email saying they need to speak with me?

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What was the outcome of the phone call?

[Anonymous]

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@Anonymous wrote:

Did the 3x CLI request online and went from my $5k limit to $15k Should help my utilization next month

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Congrats!

[Anonymous]

As far as I know it's usually a sp. I've seen just a few posts where it was a hard pull but at least 2 of them had either a fraud alert or their experian file frozen. When I requested an increase when I first got my card it was denied and o asked for a recon and was told it would be a soft pull and that CLI are always sp. however when I was denied after my 90 day request in January based on info from dec and not new info they had from January which was better I asked for recon and they said it would be a hard pull. Called back and spoke with someone else and was told the same thing and I asked why when it wasn't before and hey said maybe maybe not

[kyle7610]

Question Regarding the 3x CLI:

I've had my Blue Cash Preferred open for just about 5 years. I started with a limit of $2,000, which eventually got auto-increased to $2,500.

I was a little late to the 3x CLI party. Prior to my first CLI, I was under the impression that all CLI were initiated by the credit card company and required a hard pull. After some research, I realized that I was mistaken, particularly with my AMEX card.

From there, I got a 3x CLI to $7.500. Six months later, I tried for another 3x CLI to $22,500 and got countered down to $22,100, which seemd a little odd, but no worries.

I'm sitting on the cusp of another 6-month period and was contemplating what to ask for. I was under the impression that $25,000 was the top-end limit without some type of income verification, however, that doesn't seem to be the case any longer.

So, with that being said, any suggestions on what to request when my date comes up on 3/15? My credit is in good standing, as I'm sitting at roughly 755 EX / 765 TU / 780 EQ right now. As I mentioned, I've had the card for just about 5 years with no late/missed payments. I use the card quite frequently, and although I'll never even approach my current limit of $22,100, I would like to continue to push my limit upward for general utilization / credit benefit.

The one sticking point that I wonder about would be my income, as that is only around $50K at this time, but I don't know how much that factors in to a CLI decision.

[Anonymous]

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@kyle7610 wrote:

Question Regarding the 3x CLI:

I've had my Blue Cash Preferred open for just about 5 years. I started with a limit of $2,000, which eventually got auto-increased to $2,500.

I was a little late to the 3x CLI party. Prior to my first CLI, I was under the impression that all CLI were initiated by the credit card company and required a hard pull. After some research, I realized that I was mistaken, particularly with my AMEX card.

From there, I got a 3x CLI to $7.500. Six months later, I tried for another 3x CLI to $22,500 and got countered down to $22,100, which seemd a little odd, but no worries.

I'm sitting on the cusp of another 6-month period and was contemplating what to ask for. I was under the impression that $25,000 was the top-end limit without some type of income verification, however, that doesn't seem to be the case any longer.

So, with that being said, any suggestions on what to request when my date comes up on 3/15? My credit is in good standing, as I'm sitting at roughly 755 EX / 765 TU / 780 EQ right now. As I mentioned, I've had the card for just about 5 years with no late/missed payments. I use the card quite frequently, and although I'll never even approach my current limit of $22,100, I would like to continue to push my limit upward for general utilization / credit benefit.

The one sticking point that I wonder about would be my income, as that is only around $50K at this time, but I don't know how much that factors in to a CLI decision.

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You're going to have a hard time going much higher than your existing limit given your income.  They definitely take that into consideration  Realistically is there any reason you need much higher than what you already have?  If you do ask for a CLI I wouldn't go much higher than $25K or you'll probably spur the request for income verification and would likely not be approved anyways because of your income.

[kyle7610]

No reason whatsoever. I just figured that it would be good to keep increasing to lower utilization, as long as it was offered and was a soft pull.

If that's the case, I'll probably just ask for an even $25,000. That'll only be a $2,900 increase from my current limit.