The Definitive Amex 3X CLI Guide

[Anonymous]

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@Anonymous wrote:

I'm really itching to try another increase...I did the intial 3x CLI a lil over a year ago. I now have a SL of $25K on my BCE. Anythin over that my trigger a FR for me...I may just call to see if I can get a SP CLI

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When you say SL did you simply mean credit limit?  What I mean is did your 3X CLI (I assume you got the full 3X?) bring you to a $25k CL?  That would have put your SL between $8-9k?  

[Anonymous]

SL= starting limit. He'd have to have a 9k SL to do the 3X CLI. Requests over 25k sometimes will trigger a Financial Review, so people usually keep it there.

[Anonymous]

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@Anonymous wrote:
Hi all for all that gets the nice 3x increase on 61st day. How's your usage??? What was your score at the time ? I have 55 days to go lol but wants to be prepared and because I have both BCP and Plat I need to have both to get to spend $4000 to get the bonus and I haven't use my revolver yet. I'm afraid of debt lol even though I know I can pay it off at the end of fhe month it's stressful to see racking up some balance 😅

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BCP...pay cell bill for yr. And get new cell...to nab the us cellular BONUS! Paid $1000 to Att got cell bonus $100 and spend $1000 bonus $200 altogether😃😂😃 I might get new cell towards end of the yr. To get last $100 bonus..my card is the BcE😭though

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I'm really itching to try another increase...I did the intial 3x CLI a lil over a year ago. I now have a SL of $25K on my BCE. Anythin over that my trigger a FR for me...I may just call to see if I can get a SP CLI

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When you say SL did you simply mean credit limit?  What I mean is did your 3X CLI (I assume you got the full 3X?) bring you to a $25k CL?  That would have put your SL between $8-9k?  

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My apologies for the typo. Yes I meant to say credit limit.  My intial credit limit was $10k..after the 61st day, I requested $25k and was instantly approved. I requested that amount because I read through this thread a year ago and was in fear of the FR for any amount over $25k. 

Now this evening...

I decided to hit the luv button again and eventually received a $5k limit increase to put my total CLI to $30k. 

[Anonymous]

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@Anonymous wrote:

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My apologies for the typo. Yes I meant to say credit limit.  My intial credit limit was $10k..after the 61st day, I requested $25k and was instantly approved. I requested that amount because I read through this thread a year ago and was in fear of the FR for any amount over $25k. 

Now this evening...

I decided to hit the luv button again and eventually received a $5k limit increase to put my total CLI to $30k. 

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Nice work!  I too was given a SL of $10k and I'm about half way to requesting my 61+ day CLI.  I'm also torn on asking for the full 3X CLI or $25k.  What's the downside of financial review aside from some time spent putting together whatever is requested?  Assuming you were honest about your income/assets or whatever, is FR really that big of a deal?  If it's not a favorable situation perhaps I'll just roll with the $25k request and go for $5k more like you did.  How long after the CLI to $25k did you wait before asking for that final $5k?  Thanks for your feedback.

[Anonymous]

I just requested a CLI on my AMEX Everyday. SL was $8000. Was too chicken to ask for the full 3x CLI, so I went 2x and was instantly approved. Now my highest CL card. Can't believe that after spending all this time fixing my credit that I now carry a card with that high of a balance. if nothing else it helps lower my UTIL to under 15%.

[Anonymous]

You mean to say credit limit? You should have asked for the full 24k, now if you try to 2 or 3X it from there, you'll get hit with the dreaded 4506t request...

[Anonymous]

So I am trying to figure this out. I got a starting limit of 1000 on my blue cash everyday. I am at 61 days. This is my lowest limit. Shouldn't only request 3k or can I go 5-10k? My citi double cash wanted to start me at 1200 but I called when I received and got it moved to 8k 2 navy fed cards of 10k and 18.5k as well. I can't find an answer as to going more than 3x on initial CLI. It says it is possible and something more about 200% but I don't understand it on page 1. Can someone help please and thank you?!

[Anonymous]

Max 3X CLI on AMEX. You can use the chat feature to try for more, but I've not heard of anybody circumventing that. I started at 1k and am now at 3k. I will do it again in early Oct for 9k. Every 181 days.

[Gmood1]

Erikkis34 just ask for what you want. Even if it $30k.
If you get a income verification screen. Back out of the app and do it again, lowering your requested amount until you get a instant approval. Make sure to lower it in small increments. For example if you enter $20k and verification pops up. Lower your asking limit to $18k. The good news is if verification pops up. There's a chance you have a increase already approved. It's just finding the ceiling to that approval. Good luck!