The Definitive Amex 3X CLI Guide

[stagefoursurvivor]

There's another discussion here about auto-CLIs(can't seem to find it now) regarding people being declined at 61 days but, shortly thereafter receiving an auto increase. Sometimes it's tough to figure the UWs decisions...wacky!

[mster]

Successful 3x CLI today. My income to available credit is a bit low, but AmEx didn't seem bothered 

[madnutz]

Got 7-10 day message today on 3x attempt

Account created on 10/30, verified by checking "Member since" when I first opened the account and also asked the rep.  I was reading post about people pulling early and then getting the 7-10 day message and when they did it the next day it worked.  I tried to submit it yesterday a day early and got the 7-10, I tried again this morning and got the same message, today would of been my 61day.  I have about 50% util on this card though so im thinking that's what did me in for possible denial

[joeyoey]

I just tried & got the 7-10 day message too. 

According to my credit report this was opened on Oct. 30th so I think today is the 61st day.  I've used the card often, made multiple payments, & right now I only owe $32 on it (& sent a payment for that yesterday that hasn't posted yet).  My other Amex has a balance of about $600 (again, sent payment yesterday from bank to pay in full & hasn't posted yet).

So frustrated, this isn't how I wanted to end the year.  

[madnutz]

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@joeyoey wrote:

I just tried & got the 7-10 day message too. 

According to my credit report this was opened on Oct. 30th so I think today is the 61st day.  I've used the card often, made multiple payments, & right now I only owe $32 on it (& sent a payment for that yesterday that hasn't posted yet).  My other Amex has a balance of about $600 (again, sent payment yesterday from bank to pay in full & hasn't posted yet).

So frustrated, this isn't how I wanted to end the year.  

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Same, I have a PRG and an Everday prefferred, I made 2k payments to each card early last week too! I was not expecting the 7-10, I think mine was due to opening up about 5 other cards since i got the EDP and the 50+ util, please report back if you hear from them.  I did mine at 5AM MST and still no email or credilt limit change on the site, wonderinf f i should hit them up via chat

[joeyoey]

Same with me.  I've opened up several (probably more than I needed) cards since I got this one, but I've made multiple payments on them all, kept my utilization down & my score has increased (not a lot, but some) since I got the AMEX.  If you try chat or calling, keep us posted what happens.  If you have any luck maybe I'll try that too.  Otherwise I guess I'll sit on pins & needles & wait to see what happens.

[madnutz]

Just finished a chat sesssion with them, they told me it was declined and if i need more information I would have to contact the credit limit increase dept.

[joeyoey]

Ugh, bummer.    So, did they tell you when you can try again?  Is it 90 days?

Since I have zero patience I think I'm going to try calling.  Worst they can say is no, right?  lol

[Anonymous]

Over the past 4 years, I have periodically asked for CLI, going from 1.5K to 25K. On my second to last attempt, I did a CLI from 10K to 20K, given my excellent track record (no late payments, paid in full everytime). I got a letter saying that it was declined - did some recon, told me it was due to my salary and credit score/history (nothing bad, just not enough of it lol). Anyways, tried again few months later, thinking at least 6 months have passed, to get rejected again, but auto-denied based upon the timing. Forgot about it until a few months later, I got an auto-CLI to 16K! Afterwards, I waited about a year and a half then pulled the trigger again for 25K, which was instantly approved. Moral of the story - don't lose hope! I don't know if Amex keeps track/pays attention to CLIs, but in my case, I felt like they "threw me a bone" lol with the auto-CLI after the two denied CLI and continuous good track record.

[joeyoey]

Well, I tried calling & they told me I was declined too but he was going to submit it for a manual review & I should know something in 24-48 hrs.  I'm going to try to not get discouraged.  I'm stil kind of new to rebuilding my credit & I'm kind of surprised they gave me one (let alone, two) so I'm going to just keep using it responsibly & hopefully if this one doesn't work out I'll have better luck in a few months.