The Definitive Amex 3X CLI Guide

[Revelate]

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@myjourney wrote:

Most people it only happens to if you ask for more than the $24,999 but anything under seems to be ok YMMV 

and excuse my manners

Welcome to the forum

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AFAIK it's more than $25,000.

$25,000 is fine, $25010 is not, unless you want to submit paperwork... which I personally don't .

[Anonymous]

It's day 62 and I requested an increase from 2,000 to 6,000. Got back a offer for 3,800 which I took. Not sure what credit report they used but I know from between the time I opened the account to today I had another batch of student loans go through for summer (about $6K). And I am still at over 80% ultization for another card which I'm sure plays a factor. My income is also around 30K. So all in all, I'm happy. Something is better then nothing and I know as soon as I pay off that cc debt, I'll look better fiancial wise to Amex which is good to know. 

Oh, I should mention I have paid in full both previous times before the day date. I've already run about $1800 through in this card.  

[wwtthhpp]

I asked for the 3X CLI on my Costco Amex (currently at $4500) and received papers in the mail asking for IRS information.  Is that normal?

[Petraeus]

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@wwtthhpp wrote:

I asked for the 3X CLI on my Costco Amex (currently at $4500) and received papers in the mail asking for IRS information.  Is that normal?

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Hey that seems alittle unsual to me. Especially if you are in good standing with amex and also assuming your CR is clean. 

I recently 3X CLI my BCE card from 3K to 9K over the phone with no issues with a 710 FiCO® score. In 180 days, I'll go over the 25K rule and shoot for 27K. If I get 4506T, my numbers should support the CLI.

[wwtthhpp]

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@Petraeus wrote:

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@wwtthhpp wrote:

I asked for the 3X CLI on my Costco Amex (currently at $4500) and received papers in the mail asking for IRS information.  Is that normal?

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Hey that seems alittle unsual to me. Especially if you are in good standing with amex and also assuming your CR is clean. 

I recently 3X CLI my BCE card from 3K to 9K over the phone with no issues with a 710 FiCO® score. In 180 days, I'll go over the 25K rule and shoot for 27K. If I get 4506T, my numbers should support the CLI.

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I thought so too, especially given that I did not ask for 3x just 2x.  My CR is clean and my scores range from 720 - 750 on the 3 CRA reports so I am not sure why I got the form asking for extra info.  I'm going to wait it out and ask again in 60 days or is it 90 days you need to wait?

[JaeJae12]

Got my 61 day 3x cli on my BCE today from 2k-6k,...( very happy since I had open 5 new accounts from the time I got approved for my Amex)

[gstq34]

My Delta gold took FOREVER to show up.  If the 61st day from approval or activation?  Anyone know for sure?

[Petraeus]

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@wwtthhpp wrote:

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@Petraeus wrote:

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@wwtthhpp wrote:

I asked for the 3X CLI on my Costco Amex (currently at $4500) and received papers in the mail asking for IRS information.  Is that normal?

---

Hey that seems alittle unsual to me. Especially if you are in good standing with amex and also assuming your CR is clean. 

I recently 3X CLI my BCE card from 3K to 9K over the phone with no issues with a 710 FiCO® score. In 180 days, I'll go over the 25K rule and shoot for 27K. If I get 4506T, my numbers should support the CLI.

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I thought so too, especially given that I did not ask for 3x just 2x.  My CR is clean and my scores range from 720 - 750 on the 3 CRA reports so I am not sure why I got the form asking for extra info.  I'm going to wait it out and ask again in 60 days or is it 90 days you need to wait?

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Im curious if there are special circumstances because its a Costco/AmEX? I seriously doubt it but none of this makes sense to me. I found through my own experiences with them, they seem to like consistent multiple payments within the same billing cycle (as needed) and low UT of their cc's. They didn't hestiate to approve me for a costco amex dispite my recent close together INQs (about 4 prior within the month). That scared Barclays, but not AmEX.

[Petraeus]

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@JaeJae12 wrote:
Got my 61 day 3x cli on my BCE today from 2k-6k,...( very happy since I had open 5 new accounts from the time I got approved for my Amex)

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Grats; Amex has really been good to me. For the most part....they do seem to be sticklers when it comes to lowering APRs though...

[petarap]

Just now got my 3X CLI (2.2k -> 6.6k). I called the number on the back of my card.