The Definitive Amex 3X CLI Guide

[luxeprw9]

I was just approved for the Green card today after being approved for the ED card a little over 30 days ago.  My CH13 was discharged about 7 months ago.  I did not IIB Amex, but I do have a significant CO with them from years ago.  I thought I'd be the poster child for the blacklist, but I guess not!

I don't plan on asking for a 3X CLI on the ED card because I just got in by the skin of my teeth with a SL of $1.8k - I'm pretty certain it would be DENIED anyway!  And someone else here with a reporting BK said they were denied at the 61st day.

So I have a question: Is there a general timeline for auto increases?  I can't seem to find a consensus on that in this thread.  Thanks!

[Anonymous]

I guess now I know that when I can apply for a CLI again in three months to not use the most recent FICO score on their website but whatever one was there before that. 

[Anonymous]

That's why I'm waiting. In January, it reported mine to be like 680 or something, last month it bounced to 736, 4 points shy of "Very Good" to them, so I'm waiting until next month's numbers come out before I ask. I'm also putting some good usage through them to pad the chances I'll get the full 3X. Last time they only gave me 2X...

[Anonymous]

I think this is why my 3XCLInwas denied at 61 days. My EX was lower when I was approved for this card than now. I think they used the initial report or the next one when they processed the request. I think I would have gotten something if they used the most recent score and report.

[Dawggie14]

This took a lot of time and effort to put together - thank you!! 

[Anonymous]

It's been rolling for 4 years... That's a lot of info and I've been through every page...

[Anonymous]

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@Anonymous wrote:
It's been rolling for 4 years... That's a lot of info and I've been through every page...

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Glutton for punishment? 

[Anonymous]

Knowledge is power. In the immortal words of He-Man "I HAVE THE POWER!!!" Baaaahahaha!!!

[Credit_hawk]

Holy crap. You've been through every page? How long did that take? The overarching question is: WHY?! lol

[Anonymous]

Does Amex to an AR pull every so often and base their decision on that or do they do a SP at the time of the CLI request for the 3X?