The Definitive Amex 3X CLI Guide

[Anonymous]

Hey All, 

I'm interested in doing a 3x CLI on my DL Plat Amex that currently has a $15k limit. I've had the card for 3 years, and put $3-5k through a month, paid off in full. 

Two catches (more info about me below): 

1. My salary is currently $165k all in, but my 2015 W2 shows $108,000 (before my raise). I tried the CL online and put $165k for salary, but it asked for the 4506T form. I had to leave a meeting, so I logged out and ended the process (I hope). 

2. I opened an Amex ED last week (put $165k salary when asked, no verification) and was granted a $25k limit. 

Questions - should I now resubmit the CLI on the DL Plat with a $108k salary? Should I be asking for the full 3x CLI ($45k), and am I likely to be approved? If I submit a 108k salary, will they cross reference with my $165k claim on the ED application and will this cause issues?

About Me

• Visa BankAmericard (10 yrs): $2k limit 
• Amex DL Plat (3 yrs): $15k limit (spend and pay off $5k/mo)
• Amex ED (just opened): $25k limit 
• Amex Green Card (4 yrs)
• Transunion Score 787
• Equifax Score 743
• Experian FICO 752 (would be higher, but currently have higher balances on 2 cards near end of monthly billing cycle, and this was pre-ED approval at $25k). 

Thanks in advance! 

[Anonymous]

I would go ahead and resubmit, but would wait another 3 months till the ED had some history as well. It's a hit and miss thing with the 4506t demand.

[Anonymous]

Ok thanks. So is a $108k salary enough to request a full 3xCLI of $15k to $45k?

[Anonymous]

Any data points would be helpful..thks for any assistance

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@Anonymous wrote:
Amex ED appr. 5/05 plan to do 3cli this Fri. SL $2000; my scor has dropped new acc . Since open bce,nfcu cloc, how does chances of appr. For $6000 Look???

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[Anonymous]

Full info is 4 posts up, core info repeated here. Wondering if $108k salary is enough to request full 3xCLI of $15k to $45k, thanks

About Me

Visa BankAmericard (10 yrs): $2k limit
Amex DL Plat (3 yrs): $15k limit (spend and pay off $5k/mo)
Amex ED (just opened): $25k limit
Amex Green Card (4 yrs)
Transunion Score 787
Equifax Score 743
Experian FICO 752 (would be higher, but currently have higher balances on 2 cards near end of monthly billing cycle, and this was pre-ED approval at $25k).

[Anonymous]

I just did my 3rd increase online and was approved to from 22.5k to 29k w. no verifiecation

MY scores are above 770. IDK I was hesistant to do 30k and over...

[Anonymous]

I don't think income has to do so much with AMEX, as their need to see the risk they're exposed to on the higher limits. Your 168k has a better chance than the 108. Call and see?

[Anonymous]

OK, so jus got appr. For 3x CLI !!!very happy it went from $2k to $6k...my question though is;has anyone gotten another increase like same day;I guess the question is did I max out with 3x increase....it's that feeling of maybe I should have ask for more ;lol;

[Credit_hawk]

I just was approved for a BCP today. My limit is the smallest limit I have by 6k. It is $2,000. Bummed to say the least.

Can I request 3x's immediately upon card activation or do I have to wait 60 days?

Thanks!