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The Definitive Amex 3X CLI Guide

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Re: The Definitive Amex 3X CLI Guide

Well my time is coming but how do I go about and do this?  Should I call them?  Start a chat?  Is there a button or a link to click?  

 

Also how to count to 61 days?  My card was instantly approved on Oct 26th.  Is Dec 26 day 61?   

Message 4891 of 4,943
Valued Contributor

Re: The Definitive Amex 3X CLI Guide


@eastsea wrote:

Well my time is coming but how do I go about and do this?  Should I call them?  Start a chat?  Is there a button or a link to click?  

 

Also how to count to 61 days?  My card was instantly approved on Oct 26th.  Is Dec 26 day 61?   


Under Account Services > Select 'Payment & Credit Options' (on your left) > Click 'Increase Your Credit Limit' Link.  Fill out the form, hit submit.   That's it. 

 

Yes, Dec. 26th would be day 61. 

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4892 of 4,943
Contributor

Re: The Definitive Amex 3X CLI Guide

I have 3 AMex cards. My latest one just hit 61 days and I want to try the 3x CLI for the first time (haven’t asked for CLI on any of AMEX cards before). I have some balances but it’s on the cards that I have 0% interest on and the balances are about 15% of my total credit line. I pay multiple times a mth on all of my cards and I keep one of the cards at 0 balance (put a few small charges on it and PIF). My corporate Amex has about $6K in charges on it. I am waiting for the company to pay off the balance. Should I hold off on requesting the 3X CLI until my company payment on my corporate card is applied? Or should I make more payments on my other cards then request? Or does it not matter to Amex since I’ve established a history of paying the balances down?

Some DPs - across all 3 Credit bureaus, my F8 scores are in the mid 700s. No baddies on my report except for 3 student loan late payments from 6 yrs ago.

Thanks!
Message 4893 of 4,943
Valued Contributor

Re: The Definitive Amex 3X CLI Guide

In my experience, a balance doesn't matter.  However, if it were me. I would request a 3X CLI on my highest CL regardless of which one has a balance, then reallocate CLs where necessary. 






Message 4894 of 4,943
Established Contributor

Re: The Definitive Amex 3X CLI Guide

Derp. I got denied my 3x CLI. 

 

Reason: "low fico score"

 

Fico score given: 719

 

Reporting balance: $67/2000 when applied.

 

.... ok then



Message 4895 of 4,943
Community Leader
Super Contributor

Re: The Definitive Amex 3X CLI Guide

If it were me MusicLovah7, I would definitely wait until that $6K payment posted. I’m of the mindset that I want my UT to be the lowest possible so I can get the highest possible CLI. 😉
REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4896 of 4,943
Community Leader
Super Contributor

Re: The Definitive Amex 3X CLI Guide


@Lizzo wrote:

Derp. I got denied my 3x CLI. 

 

Reason: "low fico score"

 

Fico score given: 719

 

Reporting balance: $67/2000 when applied.

 

.... ok then


What does the rest of your credit profile look like?

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4897 of 4,943
Valued Contributor

Re: The Definitive Amex 3X CLI Guide

@513credit Sorry to hear that. Hang in there.









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated DEC'19.




In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 4898 of 4,943
Established Contributor

Re: The Definitive Amex 3X CLI Guide


@CreditInspired wrote:

@Lizzo wrote:

Derp. I got denied my 3x CLI. 

 

Reason: "low fico score"

 

Fico score given: 719

 

Reporting balance: $67/2000 when applied.

 

.... ok then


What does the rest of your credit profile look like?


NFCU Visa - $307/$15,000

Lowes - $0/$5000

GECU Gold Visa - $0/$5000

Amex ED - $67/$2000

PayPal MC - $0/$2000

Discover - $259/$1750

Sams Club MC - $0/$1500

NFCU Amex - $0/$1000

Target - $0/$500

Cap1 Secured - $0/$500

 

So, I don't really understand. Perhaps its because of my profile age going back to 5mos from 1 yr from the new accs?



Message 4899 of 4,943
Community Leader
Super Contributor

Re: The Definitive Amex 3X CLI Guide


@Lizzo wrote:

@CreditInspired wrote:

@Lizzo wrote:

Derp. I got denied my 3x CLI. 

 

Reason: "low fico score"

 

Fico score given: 719

 

Reporting balance: $67/2000 when applied.

 

.... ok then


What does the rest of your credit profile look like?


NFCU Visa - $307/$15,000

Lowes - $0/$5000

GECU Gold Visa - $0/$5000

Amex ED - $67/$2000

PayPal MC - $0/$2000

Discover - $259/$1750

Sams Club MC - $0/$1500

NFCU Amex - $0/$1000

Target - $0/$500

Cap1 Secured - $0/$500

 

So, I don't really understand. Perhaps its because of my profile age going back to 5mos from 1 yr from the new accs?


Okay, so I'm going to take a stab since you didn't provide much DPs. Are you saying your AAOA is 5 months. If yes, then yes, that would be a big factor for a decline.

 

How many accounts have your opened in the last 3/6/12 months and how many inquiries in the same timeframe?

 

Also, usually more than one reason is given for a decline. What were the other reasons beside low score?

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4900 of 4,943
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