The Definitive Amex 3X CLI Guide

[Anonymous]

Do you recommend having little to no balance on the card when I do app for the CLI? or does it not matter, they will SP? Thank you again

M

[Anonymous]

I believe that your last statement balance (reported balance) and the EX score they last pulled are the more important factors at the time of the CLI request, not your current balance.

[Anonymous]

Thanks.....So, if I apply mid statement, they use the most recent statement closed and whatever Fico Score is updated undere Amex.  Makes sense!!

M

[Anonymous]

Yup, that's what's most important.  That's not to say that the computer program doesn't look at your current balance at all, of course, although I don't think it's all too significant of a factor.  If someone had a maxed out account, or very high utilization anyway, I could see the program picking up on that and taking it into consideration.

[Sanjo812]

It has been a little over 180 days since my last CLI where I went from $3,000 to $9,000 and did a small transfer to another AMEX card for $1,000. My CL was sitting at $8,000 and I requested $24,000, and the system countered with $17,500, I accepted.

[Malcono]

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@Sanjo812 wrote:

It has been a little over 180 days since my last CLI where I went from $3,000 to $9,000 and did a small transfer to another AMEX card for $1,000. My CL was sitting at $8,000 and I requested $24,000, and the system countered with $17,500, I accepted.

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Thanks for the data points.

Planning on another 3x in 180 days again?

[Sanjo812]

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@Malcono wrote:

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@Sanjo812 wrote:

It has been a little over 180 days since my last CLI where I went from $3,000 to $9,000 and did a small transfer to another AMEX card for $1,000. My CL was sitting at $8,000 and I requested $24,000, and the system countered with $17,500, I accepted.

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Thanks for the data points.

Planning on another 3x in 180 days again?

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You’re welcome. All the community contributors help. 

I am planning on going for another 3x, but not on that account, I’m looking to grow one of my business CLs with them. We’ll see how that goes. I’m $9,000 away from the $34,500 figure I noticed on page 1 of overall exposure with them, but pretty close to 50% of my current income, which could be a reason for the counter offer where it is. I am looking to increase my business income for 2019 though. 

[Felony_Phil]

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@Felony_Phil wrote:
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.

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So today I went for the 3X. I got 2X. Up from 9k to 18k. I'm not disappointed at all considering I started July 2017. 

EX8 : 711 as of 11-10-18

Total % : 24 

Have a BCE 1k with $350ish balance. Hilton card has 660ish balance.

[Anonymous]

WOW!! CONGRATS!!!! Thats awesome.  That was your Amex card? Which one? I'm late to the game... That was your first CLI ever w Amex?  I'm less than 10 days away from 61 days with my Cash Magnet.....

Mark

[Felony_Phil]

Yes, this is my Hilton Amex and first approved CLI with American Express. I got the BCE back in January and it is only a 1k card. Denied on both CLI requests on the BCE but I can understand why. I had a few inquiries and my credit file was still pretty new. When I app'd for the Hilton card back on Sept 12, I was shocked to have been approved for 9k. Today I requested $25k and recieved an increase to 18k and I reallocated 14k to the BCE because it still has 0% until May '19. I have not had any inquiries on my Experian file since May and my score has gone up 9 points since being initially approved for the Hilton card.