The Definitive Amex 3X CLI Guide

[jamie123]

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@Anonymous wrote:

Most find that they are prompted to provide IV if trying to move past $35k in the first year, but there are exceptions.  If you've had your account for a year or longer, you can grow it over time without having to provide IV. 

My guess is that you'd be able to take your $20k SL to $35k with your first CLI without IV, maybe $40k.  Anything over that you'll have to submit POI.

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Hey thanks!

I'd be happy at $30K! (Well...At least for a while!)

Once I'm done with using the 0% offer and get my UTI back under control I'm going to request CLIs on all my accounts and then hit the garden for a year or two. I think with a little more AAoA I can get my scores into the 800s. The mortgage, a new auto loan, 3 new CCs and high UTI on the BCE and Citi Diamond Preferred have really hammered my scores down.

[Anonymous]

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@shoegal wrote:

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@Anonymous wrote:

My AMEX BCE has been open less than a month but first statement closed today and thought it was ridiculous that I had only had a 1k limit.  So I asked for 3k online and was approved.  Now wondering if I should have asked for more.  When can I ask for my next CLI?  In 181 days from today?  

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Congrats! I tried at activation of the BCE but no luck. Just the normal is too soon message.

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Same here. I tried after receiving the card, no dice. Put $900+ on it the first month, PIF as soon as the first statement cut. Tried again, denied again. Advised too soon for a CLI. Guess I have to wait the full 61 days. Patience is a virtue, but it sure is annoying sometimes lol.

[Anonymous]

Just tried today(day 61) on my BCP(10k).

Asked for 30k got 24.200. Now I'll just move 10k to my ED card and try again in 6 months.

[Gregory1776]

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@Gmood1 wrote:

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@Anonymous wrote:

My AMEX BCE has been open less than a month but first statement closed today and thought it was ridiculous that I had only had a 1k limit.  So I asked for 3k online and was approved.  Now wondering if I should have asked for more.  When can I ask for my next CLI?  In 181 days from today?  

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Yes..180/181 days from the CLI with Amex. You probably could have requested at activation and received the 3x. Not sure why people don't try this. It doesn't hurt to try.

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Especially if your not new to AmEx, I tried, they said I need to show some payment history and to request CLI in 90 days. (No idea why they said 90, im checking at 61, in a couple days.)

[AverageJoesCredit]

Got my letter today on my recent try to 3x my ED that i got back in Feb. Im relieved it states due to recieving an increase in past 180 days which means i may have been too early. Was approved on 8th of Feb but i believe a week or 2 later i requested a 3x on my 1k approval to test the waters, i was getting some car work done, and actually got it. I gotta find the specific day i requested so i can retry. Ill update if i can get anything

[Anonymous]

Contact them through online chat, they'll tell you when you got the last one.

[Anonymous]

Day 61 on my Delta Skymiles...got the 7-10 day message.  $1k SL, have been approved for a BCE since with the same limit.  I burned through the $3000 spend with multiple PIFs in about 55 days, was hoping for a quick CLI bump, but it didn't happen. 

[Anonymous]

Just thought I would add my CLI request info here. Today is my 61st day with my Gold Delta Skymiles card and I tried for a CLI online. For some reason it said call the CLI telephone number. 

I called the CLI telephone number and put in the same information I did online. It said sorry, you are denied because you recently filed for bankruptcy. Keep in mind that my BK was filed in 2012 and was discharged in 2014. I have no current bankruptcy. So, mostly out of curiosity and because I thought it would be good information for the board, I opted to speak to a CSR.

The first CSR was pretty rude. She had an English accent (which I initially found charming) but simply couldn't answer my question. The question was, "is the CLI denial based on a pending/current bankruptcy or for any bankruptcy in the credit report?" There is a distinction which I believe she could not understand or didn't care enough to understand. I asked to speak to someone who could answer that question because she told me I needed to speak to Experian. My Experian report is accurate and it does still show a 2012 filed bk with 2014 discharge. Anyhow, she rudely placed me on hold without any kind of farewell and sent me to the regular customer service line. 

Ok, so I finally got someone who answered the question. Although the robot said "recently filed bankruptcy" the denial is based on any bankruptcy which is still showing on the report. I specifically asked the second line increase CSR if, all else being equal, I wanted a CLI, I would essentially have to wait until the BK falls off. He said yes.

Although I have read that AMEX may grant a CLI on its own, apparently if I want to request one, I will have to wait until 2019. That sucks, because it's difficult to buy plane tickets with $1000 credit limit. Well, I'll keep AMEX happy and keep plugging away in the garden. I'm sure the CLI will come eventually.

[AverageJoesCredit]

I find when you apply for cli and it says call in , its a denial and i dont call. Dont need to hear whst a piece of paper will tell me

[Anonymous]

Just another data point from a few pages back. My first CLI was from 11K to 33K, required IV. My next CLI required another IV at 99k, and i kept bumping it down until I got to 60K with no IV.