The Definitive Amex 3X CLI Guide

[Anonymous]

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@Anonymous wrote:

I think I'm ready to ask for an increase but at the same time, still nervous. My experian FICO just updated on AmEx website on the 4th at 680, an increase from last month at 658. I just got an auto increase from them from 1k to 3k a couple weeks ago, but now wanna see if I could get this up to about 9k (I'd settle with a generous counter offer too).

The one thing making me nervous is that I've heard sometimes AmEx pulling an older FICO score when doing these CLI requests rather than the most up to date one. If they pull the 658, I'm sure It'll be a flat denial, but at 680, I feel like I have a decent chance here.

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Well, I pulled the trigger and got the dreaded '7-10 day' denial message.

This really sucks, and quite frankly, really irritates me. I'm very curious to see what FICO score they used in the letter I get. If it's the 658, I'm going to flip out. I'm considering finally responding to those Discover mailers I keep getting and going ahead and getting that card and stop use on this one. It's clear that I'll never be really in with AmEx, they just don't like me very much, even though I've been a heavy user (despite the tiny limit) and always PIF.

[Anonymous]

My newest FICO score they gave me was 736, 4 points shy of "very good" to them... Grrr... March 13th was the day I was gonna shoot for the 3X, but now I'm inclined to wait till next month and see if my score goes up those 4 points... OCD catching on...

I've 6k now, will be going for 18k I'll be happy if they counteroffer with a 5 digit figure, it'll be my first!

[Anonymous]

@Sox... I think it is because you said you got a 1k to 3k increase a couple weeks ago..... if you get a CLI with Amex I believe you have to wait 181 days for your next one.

Someone can verify this I'm sure.
Congrats on your first one and sorry about the denial on your second.

[Anonymous]

That increase I got was an auto increase. Supposedly I can still apply for my own increase after an auto increase and I was past the 90 days from my last denied CLI request.

[Anonymous]

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@Anonymous wrote:
That increase I got was an auto increase. Supposedly I can still apply for my own increase after an auto increase and I was past the 90 days from my last denied CLI request.

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Correct, you were still eligible to apply for the credit increase because the last one was an auto CLI.  Nonetheless the fact that they gave you the CLI probably affects the overall amount of credit that they are willing to extend to you at this time.  Far too many people think these 3X CLIs are almost guaranteed when they are not.  When I got my first Amex card in 2015, they gave me a starting limit of $1K and while I was granted a CLI to $3K when I first tried, I was denied six months later even though my Experian score was 810.  The reason was due to not having the card long enough at that time.  Later on when I tried again, I raised it $9K and since then Amex has given me $44K on two other revolvers.  You just need to be patient and the increases will come in time.  Discover also denies CLI requests despite what it seems like at times on these forums.

[Anonymous]

Good info to know.
All these rules!!!! What do non-myficoers do? Lol

[redpat]

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@Anonymous wrote:
Good info to know.
All these rules!!!! What do non-myficoers do? Lol

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Keep their cards, only wait for auto increases or by chance some may ask for an increase.

Only here it's 3x on steroids.

[Anonymous]

Apparently I'm still in the hole with them.  Got my card (hhonors) in Jan 2016 for 1K.  No 3x, no nothing.  It's now been over a year and just got another 7-10 day message.

They approved me at 624.  Their last score report shows 674.  My util is way better than it was, zero lates in over two years, and still no movement.  No auto-CLI, no manual CLI.  It'd be nice if it was a bit more transparent just so I could have a good sense of when to expect movement. 

No worries.  I'll try again in a few months, I expect to be close to or over 700 by then.

[Anonymous]

Need some advice. Applied for the 3x cli on day 59, got the 7-10 day message. Got an email from amex saying I could call for the CLI decision. But when I call the number it says there has been no request within the last 90 days for a CLI? Not sure what is going on. Anyways today is day 61 so I'm wondering if I should ask for the 3x cli again or wait to see what the letter says in the mail.

Date account opened 1/5/17.

Starting limit 10k. 772 EX

PIF before statement cut.

3500 charged through the card in last 61 days. 

Amex last SP 2/28/17 score 779 EX.

[Anonymous]

I believe you can now hit it and should get approved if you were going to anyway. If the letter is a denial because of not being long enough the CLI on day 61 would work. If it is another reason you won't get a hard pull on day 61 so I guess if it were me I would hit it on day 61.

Others can chime in and tell you more. I very well could be wrong. Just saying what I would do.

GL.