The Definitive Amex 3X CLI Guide

[Anonymous]

Nice!

To reiterate for those that may be confused, the "3X CLI" refers to requesting a limit that is 3X your current limit and has no bearing on what your starting limit was.

For example, someone starts with a $3k SL on an Amex card.  They aren't in the know about the 3X CLI, so for their first CLI they only request $2k to bring their limit to $5k.  They're approved.  181 days later, this person wants to go for their max CLI.  3X CLI refers to taking their current $5k limit to $15k; it doesn't mean 3X their SL ($6k in this example) which would mean a request for a limit of only $11k.

[Anonymous]

My 6th month from my last CLI came and went. I requested to go from $30K to $36.3. My plan was to reallocate that 6.3K to my BCE to make it an even $10k. I got hit up for Income Verification. I almost backed out and went for $35K thinking it would be go through easy peasy. But I decided to take a chance and just go bigger and asked for $45K. I didn't really feel like asking 5K every 6 months to avoid it IV.  I didn't go for higher since my highest CL on any one card with any creditor is 44K. I submitted the 4506-T information on Sept 8th and am still waiting to hear a decision. 

I currently have with AMEX:

30K EveryDay Card

3.3K Blue Cash Everyday 

10K Gold Delta Skymiles Business

Just a reminder that it took me well over a year to get my a CLI with them. So I was happy to not get an instant decline after they finally approved my the much talked about 3X CLI on the Everyday that took it from 10K to 30K.

I'll update as it may help others who decide to go this route. I looked for posts for others who went through this and almost everyone just backed down until it didn't require it. I may end up with 5K after all or nothing at all. Who knows! If this is approved, I''ll ask for one more CLI in 6 months to get it to 50K and call it good.

[shoegal]

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@Anonymous wrote:

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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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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.

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Congrats🎉🎉🎉

[LuckyB338]

my sister went for a 3K increase yesterday from 7K to 10K, but she got the 7-10 day message. i can’t really figure out why tho bc she has 740-750 scores, no derogs, no lates, 25K income and last CLI was about 10 months ago (auto cli). she hadn’t requested a cli ever since becoming a member and i wasn’t told about it until after; otherwise i would’ve pursuaded her to go for 3X. anyway the only reason i can think of is being under 21 as she just turned 20. any thoughts?

[Anonymous]

Ok. So I called CSR got my last 3x on March 21st where I went from 3100 to 9300. I’m going to try for 3X but is 6 months on September 21 or is it 182.5 days from March 21st 🤔😬🙄.

Fico sitting super still at 682 for the last 3 months.

I currently have:

Amex Platinum
PRG
Business Gold
Aspire 9300
Delta platinum 10k
BCP 4000
SPG lux 3100
SPG 1000 (first revolver)

All opened within a little less than a year ago.
What do you think are my chances?
Probably heading for an IV for full 3X ?

Which card should I ask for a 3X?
Do I go for 27900 on aspire or would it be better to balance the cards out and go for a BCP increase?

[Anonymous]

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@Anonymous wrote:

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@AnonymousHere is another data point. Today marked 161 days from my last CLI. My limit was 16.5k, originally 5.5k, I requested for the maximum of 49.5k expecting to verifiy with 4506-T and start having to bump down my requesting limit. However, I was returned with an instant approval of $42.3k, a $25.8k increase, total without having to back out and resubmit.

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Nice and this may be the first time I've seen someone cruise past $35k from a sub $20k limit without an IV prompt.  Can you provide any additional information regarding your spend/payment patterns and/or any profile data you feel may have contributed to your success?

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@Anonymous

Everyday card

I went from a SL of $15.5k to $45k on 9x day
Fico scores in the high 700/low 800
AAoA 7-8 years - 8 open revolvers, 1 installment
6 closed revolvers and 2 installments
2-4 inquiries on each CRA with 2 in the past year

5-8% overall utiliation with a reported balance on 6-7 cards (140k available credit)

Meet my spending threshhold in a few months and paid in full when the statement cut. This was all before I applied AZEO.

 

[Anonymous]

Cool, thanks for the data.  Looking over your info provided, the only thing that stands out to me as possibly being the reason "why" I believe is your income.  Most of your data points mirror mine, as do they many others that have contributed in this thread.  Your income however stands out as being considerably higher, so my take would be that Amex allowed you to bypass the $35k IV point simply based on that.

It's ironic when you think about it:  In order to avoid IV, you need to tell Amex that your income is higher

[sdsoccerdad]

Posted this on approvals but thought I'd share here as well.

SPG - 5K -> 13K.  Asked for IV when asking for 15 and 14k so I lowered it to 13K for an instant approval.

This started off at 1K in 12/17, moved some of the cl from my Everyday card to this one and went for the increase 6 months afer my first increase on the SPG.  

I just moved 3k back to the Everyday card leaving 10K.  Hoping for a good sized increase next March when I'm ready for the next one.

[Anonymous]

I'm curious if Auto CLIs are affected by requested CLIs? It's been one year on my BCE, but no auto CLI. Could it be that it's because it hasn't been 6 months since I requested one?

[Anonymous]

That’s a good question Janus. I know in the inverse situation (received a auto CLI and then I requested a CLI) it didn’t cause an issue.