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AMEX BCP CLI to 50,000!

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Anonymous
Not applicable

Re: AMEX BCP CLI to 50,000!


@Jordan23ww wrote:


I have seen youtube videos about AMEX card CLI's, people have said that you can get your first CLI after having the card for 2 months, and you could get up to 3 times your current limit. All these videos were made pre-Covid-19 though. I was curious what do you think about my first CLI request? On July 3rd I'll be at 3 months. I don't know if it's realistic to ask for 3 times my  $10,000 limit or should I just ask for the $5000? My utilization is 0% and I usually spend $700 to $1000 each month on the card currently then pay it off. 


I say go for the full 3X CLI and ask for $30k.  There's no harm in trying.  I have not been reading the forums at all really for the last 6-8 months, so I have no idea if anything has "changed" with how generous Amex is regarding the 3X CLI.  I know there's a monster 3X CLI thread, so I'd check that out and read posts during the Covid months to see if you have any reason to expect anything less.  Again no, the worst you can get is a reconned CLI when asking for "too much" so it's a best practice to shoot high regardless.

Message 31 of 38
ccquest
Established Contributor

Re: AMEX BCP CLI to 50,000!


@Jordan23ww wrote:

I have seen youtube videos about AMEX card CLI's, people have said that you can get your first CLI after having the card for 2 months, and you could get up to 3 times your current limit. All these videos were made pre-Covid-19 though. I was curious what do you think about my first CLI request? On July 3rd I'll be at 3 months. I don't know if it's realistic to ask for 3 times my  $10,000 limit or should I just ask for the $5000? My utilization is 0% and I usually spend $700 to $1000 each month on the card currently then pay it off. 


Did you end up going for it? I got a SL of $9,100 which matched my highest line so I'm sure I have some leeway to go up from there. I might go for $25k just to keep it "even" instead of $27,300.

as of 1/1/23
Current Cards:
Message 32 of 38
Anonymous
Not applicable

Re: AMEX BCP CLI to 50,000!


@ccquest wrote:


Did you end up going for it? I got a SL of $9,100 which matched my highest line so I'm sure I have some leeway to go up from there. I might go for $25k just to keep it "even" instead of $27,300.


Nah, cuz then it won't be "even" after the next CLI you request/receive...  Smiley Wink

Message 33 of 38
CYBERSAM
Senior Contributor

Re: AMEX BCP CLI to 50,000!

Congrats on your CLI 🤑👍







                
Message 34 of 38
SunriseEarth
Moderator Emeritus

Re: AMEX BCP CLI to 50,000!


@manwoot wrote:

I've had it since 2013 and have only been going 5k at a time since it was 25k.  It's been 6 months so I figured why not and went from 45k to 50k! 

 

Anyone know what the limit is? Should I have asked for more? 


Congrats on your CLI!   As for what you ask for, I think doing the $5K walk-up of your CL is ideal.   I'm currently doing the same thing, as I don't really want to go through FR just to get a higher CL.  



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Wayfair MC $9500 |~~
Message 35 of 38
Anonymous
Not applicable

Re: AMEX BCP CLI to 50,000!

congratulations on your success!

Message 36 of 38
Jordan23ww
Senior Contributor

Re: AMEX BCP CLI to 50,000!


@Anonymous wrote:

@Jordan23ww wrote:


I have seen youtube videos about AMEX card CLI's, people have said that you can get your first CLI after having the card for 2 months, and you could get up to 3 times your current limit. All these videos were made pre-Covid-19 though. I was curious what do you think about my first CLI request? On July 3rd I'll be at 3 months. I don't know if it's realistic to ask for 3 times my  $10,000 limit or should I just ask for the $5000? My utilization is 0% and I usually spend $700 to $1000 each month on the card currently then pay it off. 


I say go for the full 3X CLI and ask for $30k.  There's no harm in trying.  I have not been reading the forums at all really for the last 6-8 months, so I have no idea if anything has "changed" with how generous Amex is regarding the 3X CLI.  I know there's a monster 3X CLI thread, so I'd check that out and read posts during the Covid months to see if you have any reason to expect anything less.  Again no, the worst you can get is a reconned CLI when asking for "too much" so it's a best practice to shoot high regardless.


Thank you so much for the reply and advice! Not sure how I missed this in real time.  I appreciate you taking the time to answer my question! I actually did a request and got denied. The reason listed for denial was my current Fico score. I didn't realize at the time that the score Amex uses can lag behind a month. At the time my Experian score was 739 but they pulled it and it was only showing 712 (the previous month's score). I'm learning a lot from these forums!  Thanks for adding to my knowledge base! Hopefully next time I try I'll be successful! 

         


Message 37 of 38
Jordan23ww
Senior Contributor

Re: AMEX BCP CLI to 50,000!


@ccquest wrote:

@Jordan23ww wrote:

I have seen youtube videos about AMEX card CLI's, people have said that you can get your first CLI after having the card for 2 months, and you could get up to 3 times your current limit. All these videos were made pre-Covid-19 though. I was curious what do you think about my first CLI request? On July 3rd I'll be at 3 months. I don't know if it's realistic to ask for 3 times my  $10,000 limit or should I just ask for the $5000? My utilization is 0% and I usually spend $700 to $1000 each month on the card currently then pay it off. 


Did you end up going for it? I got a SL of $9,100 which matched my highest line so I'm sure I have some leeway to go up from there. I might go for $25k just to keep it "even" instead of $27,300.


Sorry for the delayed response, just seeing your question. I actually did a request and got denied. The reason listed for denial was my current Fico score. I didn't realize at the time that the score Amex uses can lag behind a month. At the time my Experian score was 739 but they pulled it and it was only showing 712 (the previous month's score). Hopefully I'll get an increase next time I try!

         


Message 38 of 38
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