The Definitive Amex 3X CLI Guide

[jas312]

I was approved for a BCE with a $10k SL.  I have two other cards at or slightly above $10k and two cards around $5k.  This is my only AmEx.

When my 61 days comes up, will asking for $30k prompt them to verify income?  A tax return transcript will look low because I got a ~20% salary increase July 1st of this year.  I could prove income via pay stubs, but it doesn't sound like that's the way they do it.  So, I'd like to avoid hitting that threshold.

[Pikaboo-icu]

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@jas312 wrote:

I was approved for a BCE with a $10k SL.  I have two other cards at or slightly above $10k and two cards around $5k.  This is my only AmEx.

When my 61 days comes up, will asking for $30k prompt them to verify income?  A tax return transcript will look low because I got a ~20% salary increase July 1st of this year.  I could prove income via pay stubs, but it doesn't sound like that's the way they do it.  So, I'd like to avoid hitting that threshold.

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If it gets triggered, just hit the back button and lower your request until the POI is gone..

I've seen may people do this with success.

Good Luck on your CLI.

[Anonymous]

I am curious about something. I have a BCE, my longest card with them. I recently got the ED in June, they both have the same CL ATM.

My 6 mo since last CLI is coming up in October and was wondering if I should request a CLI on the BCE or the ED. Whether it matters which card it's on, a seasoned one or the new one? Would they be more inclined to give the 3X CLI on the BCE rather than the ED? 

[Anonymous]

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@jas312

I was approved for a BCE with a $10k SL. 

When my 61 days comes up, will asking for $30k prompt them to verify income? 

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Nope, it won't.  I went from the same $10k SL to $30k via 3X CLI at Day 64.  No IV needed.  If you go back a couple of pages you can see my BCE growth from the $10k SL to $50k today without ever providing IV.

[dsotm76]

So, apparently I can't add and was a month early for my six month CLI.  It was declined obviously.  I called in not realizing and they told me I had another month to go.  Will this harm my chances next month when doing it again?  Thanks!

[Anonymous]

Nope. Requesting a CLI early does not request the clock. I did similar back in the month of May. I requested a few weeks early and was declined. After finding out my actual last cli I waited a few more weeks, requested it again, and was approved for the limit increase.

[dsotm76]

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@Anonymous wrote:
Nope. Requesting a CLI early does not request the clock. I did similar back in the month of May. I requested a few weeks early and was declined. After finding out my actual last cli I waited a few more weeks, requested it again, and was approved for the limit increase.

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Thank you so much!  I was afraid I'd really goofed and shot myself in the foot with them.  Whew!!

[Anonymous]

This 3X CLI maybe I am not understanding and curious about this. When I first got the account open blue cash. They started me with $1k. Since then I have had 2 increases I have requested. One for $3k and $6k. Tonight I am do for another 3X increase. Should I shoot for the stars and try for $18k? Or am I suppose to be really going for $9k instead? If that is right and they go by the amount the account was first opened with at $1k. So, each 3X CLI is at $3k yes?

[shoegal]

Go for the 18k! But, make sure it has been 181days since your last CLI

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@Anonymous wrote:

This 3X CLI maybe I am not understanding and curious about this. When I first got the account open blue cash. They started me with $1k. Since then I have had 2 increases I have requested. One for $3k and $6k. Tonight I am do for another 3X increase. Should I shoot for the stars and try for $18k? Or am I suppose to be really going for $9k instead? If that is right and they go by the amount the account was first opened with at $1k. So, each 3X CLI is at $3k yes?

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.

[Anonymous]

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@shoegal wrote:

Go for the 18k! But, make sure it has been 181days since your last CLI

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@Anonymous wrote:

This 3X CLI maybe I am not understanding and curious about this. When I first got the account open blue cash. They started me with $1k. Since then I have had 2 increases I have requested. One for $3k and $6k. Tonight I am do for another 3X increase. Should I shoot for the stars and try for $18k? Or am I suppose to be really going for $9k instead? If that is right and they go by the amount the account was first opened with at $1k. So, each 3X CLI is at $3k yes?

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.

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I went for $18k and they countered with $12k instead. I am cool with that and took it. AMEX has been by far the most generous for CLI's out of all the cards I have ever had.