The Definitive Amex 3X CLI Guide

[Anonymous]

Hey everyone!

So I officially have had my AMEX Everday Card for 61 days now. I am wanting to know from others with experience if a 3x CLI would be approved if my score has tanked since my card opening. My score is down due to my current utilization and because I have opened a few accounts in the same time period I opened my AMEX. I have paid down the balances on my card, but US Bank doesn't instantly report it, I need to wait until the 4th or 5th when they normally report, then my utilization will be at around 5%.

Any advice is welcome, 

Thanks

[Anonymous]

IMO it would certainly increase your chances if you showed less UTI and your scores raised as a result.  I would wait until Amex updates your EX 8 before trying just to have better odds.

[Anonymous]

Wait for the update.

[Anonymous]

Ok, that is what I was thinking. Thank you everyone!

[Anonymous]

Would I be greedy if I started out at $20k and now asked for $30k?  I am about 3 months into getting this card.  Haven't used the card heavily.  I want to push the boundary without 4506T request.

[Anonymous]

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@Anonymous wrote:

Would I be greedy if I started out at $20k and now asked for $30k?  I am about 3 months into getting this card.  Haven't used the card heavily.  I want to push the boundary without 4506T request.

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75th day after receiving the card.  Denied.  7 to 10 day response.

[Felony_Phil]

Thanks for sharing. Next Wednesday is my 62 day with my no AF Hilton card. I'll post up the results of a 3x CLI. I'll be attempting to go from 9k to 27k. I haven't even hit my SUB spend yet.

[Anonymous]

Question,

What is considered your account start date in the 61 day CLI quest?  Is day 1 the day you are approved? Or when you receive the card? Or maybe when you make your first purchase? Its been 53 days since I was approved for my Cash Magnet. Trying to figure out when I can app for my 1st CLI. Thanks.

M

[HeavenOhio]

@Anonymous, your start date is the day you were approved.

[Anonymous]

Ok. Sounds good! Thank you!