The Definitive Amex 3X CLI Guide

[Anonymous]

Today was my 61 day. I requested a cli 3x and got countered. I declined and tried a couple more times but different amount and got the same amount they countered with. Tried one last time for 2x and got 7-10 message. Is it a deny ?

[Anonymous]

Yep. When they counteroffer you, that's how much they're willing to give you at the time.

[Anonymous]

I called the recon number and thats exactly what they said. I got a measly 4100 increase (total 14100). On the flipside I got approved for plat . Going to try again after 181 days hopefully they'll be more generous

[Anonymous]

March 13 was my 181 day mark since my last 3X, so this morning I pull the trigger on another 3X and got an immediate bump 6k>18k!!

WoooHooo!!!!

I thought they would counter me like they did when I got the 6k, but they went ahead and gave the full 3X!!

Now... Whatever am I going to do with an 18k limit? 

[Anonymous]

Nothing like a 12K CLI... Congratz!!! Hoping I can some day get out of this $500 starting limit hole and chase some of u guys...

[Anonymous]

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@Anonymous wrote:
Nothing like a 12K CLI... Congratz!!! Hoping I can some day get out of this $500 starting limit hole and chase some of u guys...

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It takes patience... Time... Responsibility... 3 years ago, I couldn't get a loan to buy a candy bar, now I'm sitting on 43k just waiting patiently to be used...

[NattyPButter]

Should I ask for my 2nd CLI  and bump it from $6000 to $15000with my credit scores in the 690's. 

1 120 day late that's 6.2 years old

Total utilization is 5% with one card that's in the 30's% which I plan to switch over to 0% APR card so I can have a much lower single card uti.

My AAOA is 2.3 years and oldest account is 14 years old. 

My income is $38,000 

My total credit is $39,400 between 8 cards and highest card with $11,000 which is my Cap One Venture card. 

[Anonymous]

I was at 6k and asked for 3X to 18k as they granted the full amount. Don't leave anything on the table, all for the full 3X and if they don't want to give that to you, they'll counter. Always ask for the max!!

[Anonymous]

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@Anonymous wrote:

I called the recon number and thats exactly what they said. I got a measly 4100 increase (total 14100). On the flipside I got approved for plat . Going to try again after 181 days hopefully they'll be more generous

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A 41% increase is not measly.  Often people get 10%-25%.  I get it in the 3X CLI thread everyone wants to see huge numbers, but your CLI wasn't bad by any means.

[Anonymous]

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@NattyPButter wrote:

1 120 day late that's 8 years old

My income is $38,0000

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Two things.  One, why do you still have a 120 day late on your credit report if it's 8 years old?  It should have been gone at 7 years and if it's still there I'd be making calls to get it removed immediately if I were you.  Second, is the comma in the wrong spot or did you simply add an extra zero on your income?  I'm guessing $38,000, not $380,000 but you never know!