The Definitive Amex 3X CLI Guide

[Anonymous]

Gotcha, makes sense.  With that EX score your limit could certainly bump up some more, but with your income where it is that's probably the only thing holding it back.

[Anonymous]

So, if I just opened a BCE and am coming up on my 61 days for a CLI on ED, should I wait longer?  My score went up 40pts since applying for ED, so the limit is lower than it should be.

Thanks!

[Lzzybeth]

Hi everyone!

Today marks my 62nd day of having a BCP and because of this thread, I decided to pull the trigger on the 3x CLI.I initially got the "7-10 day review" message after I submitted my request online, I was bummed but understood that I'd still likely see a counter offer.

As the 3x CLI page opens within another tab, I went back to the Home page tab and I was shocked to see my credit line had already been increased to the $16,500 I requested!! So no waiting/review period ended up being necessary!!

Here's my stats as of today with the 3x CLI approval: 

MyFico/Other Handle: Lzzybeth
Initial CL: $5,500
61 day/181 day CLI: $16,500 (APPROVED!!)
Amex Utilization @ CLI: 0%
Overall Utilization @ Last EX Soft Pull: 26.73%
Ratio of Income/(Overall Available Credit) (4 decimal places): 3.2619
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: $1,134.75

[credit_endurance]

This came up to my 61 day since being approved for the amex BCE and decided to hit the LUV button got instant 7-10 message. Asked for more thn the 3XCLI so

probabaly shot my own self in the foot on this one.  Should I go back and request just the 3XCLI instead? Are these hard or soft pulls?

[Anonymous]

Soft pulls.

Lzzybeth, nice work!

[Anonymous]

Hey all, just a data point for those that just squeaked in like me....    I was approved for BCE w/scores in my sig...

Last week, 61 days were up, asked for a 3x increase ( $3000), received $2000, still happy!   And still a bit shocked for ever getting in.    Have used my card twice a month, always pay in full....balance was zero when I requested.

[Anonymous]

Good to know that those that barely get in still have a good chance at a 2X CLI at least.

[Anonymous]

Just some new data to report.

I was initially approved on ED @ 3500. Declined for instant CLI. Scores were in the 680's.

Waited 90 days and received 3X to 10500. Scores in 740-750 range.

This is the sixth month from my CLI and I was afraid to ask for more than 25K with my salary based on what I've been reading here. Could include DH's, but I really don't want to have to provide tax returns if asked. Took the chicken route hoping for a counter at least and asked 31K which is $500 less than 3x my limit. Instantly approved for 31K. Score says 750.

This is now my highest card by 10K. Wish I would have asked for more when I took a HP for my CSP increase the other day.

[Anonymous]

Got instant approval for $10k today on the BCE.  In 61 days is it a bit crazy to ask for $30k (3X CLI)?  Should I just go for it regardless?  Any opinions on this? 

[Anonymous]

I applied for an AMEX Platinum Delta SkyMiles card and was instantly approved for $2000.00.  Upon receiving the card in the mail, I called in to activate the card and immediately asked for a 3X CLI.  I was instantly approved for $6000.00  YMMV and I hear that requesting over 25k may trigger income verification.  It seems that the 60 day waiting period is no longer in effect, as has been widely reported.