@uswala wrote:
@aav wrote:I like to think that paying before the statement even prints doesn't make a difference. Let's just go with the good payment history as the main reason. And Black Friday
Increase from 14,500 to 25,000 YAY!!
I tend to agree about the statement cutting! My last statement had a balance of $519 but I paid down any balance shortly after and actually have a credit of $97 as I just got a statement credit for spending x amount within 3 months.
I initially asked for $30k and got the 7-10 day message. I chatted with someone who was no help, and talked to a rep who said I could call the credit dept. tomorrow (Monday) or she could try the CLI button for me again (my request). While I wanted to know the reason, I also wanted the increase before any time passed. So I went back online and resubmited the increase and asked for 25 instead of 30 and voila! Super happy. I think I could have gotten the 30 if I talked to a the credit dept. One person I talked to mentioned they may just need income verification Iwhich I was willing to complete even if the form was required), but I didn't want to wait. One of the reps also said there was no internal limit on multiple cards (fwiw).
MyFico/Other Handle: aav
Initial CL: 14500
61 day/181 day CLI: (please indicate whether 61day/181day also) 61
@Anonymous Utilization @ CLI: 0
@Overall Utilization @ Last EX Soft Pull: 7% (last sp was 10/29 - score of 771 then)
Ratio of Income/(Overall Available Credit) (4 decimal places): .2 or .1333.. Diner's club not reporting yet
Number of new credit lines opened since opening Amex account or last Amex CLI: 1
Total $$ value of all transactions since Amex account opening or last Amex CLI: $971
Super thankful for the myFico Forum! I read this thread from beginning to end before actually applying. It took me 2 days, but I wanted to be well informed. Going to apply for the EDC cli when eligible.. 181 days.. yay!
********So I got the denial letter from the first cli request. They asked for the tax form. I'm glad I just resubmitted the request for 25k instead of 30k.
...got my initial Amex 7/14 with $4k CL ...just hit the CLI and asked for $12k CL ...immediately approved 
@Lemmus wrote:...got my initial Amex 7/14 with $4k CL ...just hit the CLI and asked for $12k CL ...immediately approved
Congrats on the 3X CLI!
@Anonymous wrote:I applied a new AMEX on 6/3/14, got $2000 CL.
On 6/10/14 I requested CLI on an old AMEX card, and same day transferred CL to the new AMEX card. Old AMEX's CL is $1500 and new AMEX's CL is $11K.
Now it has been >180 days since 6/10/2014, and have high balance on the new AMEX card (~$9000):
1. shall I ask CLI on the old AMEX(CL now 1500) or the new AMEX (CLI now 11K)?
2. If I ask for CLI for the new AMEX, 3X should be the $6000 (based on initial CL) or $33K (based on CL after CL transferred)?
3. Shall I pay off some balance before making a request? Now I have about $9K balance, with CLI of 11K. This is a key question
Thank you very much!
You would ask for the $33k (presuming you understand that by going past $25k you are most likely going to have to provide income verification / IRS form 4506-T to complete that).
Once your CL are set, and the 6-months time period has passed, that is your new baseline CL to consider for the 3x CLI request.
You can still do a CLI request on the old card, from $1,500 to $4,500 if you want, but then it will be another 6-month wait before either card can be requested again.
Good luck!
