The Definitive Amex 3X CLI Guide

[simplynoir]

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@SummerOf17 wrote:

It is at 6K CL, Balance is at $2200+- as of today. So 3X would be 18K.

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Go for the max.

[Gregory1776]

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@simplynoir wrote:

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@SummerOf17 wrote:

It is at 6K CL, Balance is at $2200+- as of today. So 3X would be 18K.

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Go for the max.

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+1 😇

[SummerOf17]

I'll do it in AM. Will be 181 days to be Exact.

One thing has me worried is High Util on this card, which is at 37.25% at this point. If all goes well I may App for another card in August and transfer some limit to a new one if it is Allowed, or Not...

After All  - The Goal is a Mortgage this Summer!

[Anonymous]

FYI, it's doubful that you need to pay it off just to get a CLI. 

[Anonymous]

Fyi, my friend was approved for $2000 limit and on the 61th day, he was approved for $6k while his utl is $1750/$2000

[Gregory1776]

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@Anonymous wrote:

FYI, it's doubful that you need to pay it off just to get a CLI. 

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I agree. I was so nervous I wouldn’t get mine, I paid it off, in full....

In the end, I was happy, I don’t like balances. I love my cards being at zero! 🙂🙂

[Gregory1776]

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@SummerOf17 wrote:

I'll do it in AM. Will be 181 days to be Exact.

One thing has me worried is High Util on this card, which is at 37.25% at this point. If all goes well I may App for another card in August and transfer some limit to a new one if it is Allowed, or Not...

After All  - The Goal is a Mortgage this Summer!

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LET US KNOW!😁😁

[Anonymous]

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@Gregory1776 wrote:

In the end, I was happy, I don’t like balances. I love my cards being at zero! 🙂🙂 

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Part of me agrees, and the other part of me doesn't. I alwasy have at least one card with a Balance. While the others have multiple small purchases that I PIF. I honestly don't know what I'd do if all of them were at zero. lol

[SummerOf17]

So I clicked the luv button like it owes me Money...

Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days.

Daaaaamn, that was close....

At least now I know what I need to do....

[Anonymous]

^^^ That's a denial and now you have to wait 90 days before submitting another CLI request.  In the meantime, if you must carry a balance, bring it down to below 28.9% of current credit line.  All lenders use 30% as a benchmark for "responsible use" and Amex especially is generous with members who don't carry balances for long periods.