If they didn’t ask for the IV you won’t get asked for it. 6 months from now you can ask for 40 or so and work your way down from there, hitting the back button and asking for 1K less until it grants the increase.
Delicious; I’m interested every much in your post! You’ve taken out cash advances on your American Express and they didn’t close the account?? That’s nuts!! As for if you should pay in full before the request, that’s up to you. I carried a balance for about four months and PIF week before my 3X and got it...
@Anonymouswrote:
Anyone have insight or tips... I have the ED and BC cards.. ED is 11 months and BC is 10 months.. so both new, under 1 year.
The ED card was SL'd with 2K and BC SL'd at 1K.... so very pedestrian SL's -- but hey, it's better than the dreaded 7-10 day letter..
I carry a moderate balance on both -- maybe 30% util on both... of course all payments on time.
My discover card acct says my Fico today is 689... and that's about 10 point and higher than it was at the general time I got these 2 Amex cards.
Now... here's the curveball ...
14 years ago I had a Ch 7.... so it's well off my CR's by now... BUT... I had - and was a part of the ch 7 - an Amex Optima (I think that was the card name) and was discharged at about $3,000
So... fast forward to this year... I have tried for the 3X CLIs at each window of opportunity .. and was denied full stop.
The reason was "previous delinquencies on one or more of your American Express accounts"
Now, I know it's not either of the two I have now.. and in the past I had a Amex gold charge card (account closed by Amex at time of Ch 7, but no charge off balance) and the Optima I noted earlier.
So.... clearly I'm on their __it list... and yes, I get it... yes, I don't blame them.. yes, it was my fault... etc etc.. all true.
But, what can be done now, today to overcome this apparent black-list like status.
I've spoken with my retired attorney who handled my Ch7 and was told to be very very careful about making any kind of comment or even discussing that old debt with Amex as it is possible for me to effectively/accidentally/unintentionally reaffirm it and thereby bringing it back to life again.
My next 3X CLI window is middle Apri -- so just wondering if anyone has insight or data points -- or just trudge forward....
For this I have a personal data point to provide... but you might not like it.
I'm on the same "list"... I included an Amex Green card in BK7 back in 2000, and I got 'back in' with Amex in 2015 with a BCP and another Green.
To 'cut to the chase' every time I've tried for a CLI I've received the same letter... I've not been able to overcome it. However, after around 18 months my BCP did get an auto-CLI of 3x, bringing it to $3k (previously $1k) and about a year after that I got another auto-CLI to bring the CL to $7.5, which is very usable for me. My typical monthly usage was $300-$500 each month, and I did let the balance report.
Also, I app'ed for a Delta Gold in 2016 with the intention to move some of the credit line to the BCP, but it was also only approved for $1k, and they wouldn't let me move any of it over. Basically, it was for nothing. 
At the time I got the Delta Gold, I closed the (new) Green and applied for a PRG. No issues there; my spending limit is healthy, and they even gave me 'Pay Over Time' with a limit of $35k.
Finally, in January 2017 (last year) I applied for an ED to 'hold' my MR points should I decide to close my PRG. I was expecting another spectacular $1k limit, but they surprised me by giving me an instant approval for $8k.
TL;DR... I still get denied when I request CLIs (as of last summer, anyway) but they do give auto-CLIs if your use warrants it, and with time new approvals will have more generous SLs as well.
Disclaimer: I'm not complaining about my situation with Amex; I know BK has consequences, and I'm happy to be back at all. I'm only sharing here to provide a data point for others. 