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American Express Credit Limit Increase!

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Regular Contributor

American Express Credit Limit Increase!

I just got a CLIon my BCE today being six months and a few days since my last, I went from $6,000 to $18,000 instantly approved and I wanted to know how high should I or can I go for next time... I know the 3x rule every six month with amex, but on a side note what's the rule with discover and their CLI?

Thanks!Smiley Happy

Discover IT $9,500 - Sept 2016
Amex BCE $31,500 - July 2017
Paypal 2% CB $10,000 - May 2019

Message 1 of 14
13 REPLIES 13
Super Contributor

Re: American Express Credit Limit Increase!

Congratulations on your Amex increase!

 

Discover has no hard rule, you can ask every week if you want to, it's a SP. On average, it seems every 3-6 months for a CLI for most, although there are outliers. People have called in and gotten a larger CLI with Discover by approving a HP, too. 






Message 2 of 14
Member

Re: American Express Credit Limit Increase!

Congrats!! Discover is pretty generous with their CLI's in my experience.  I have one of my discover cards up to 47k after a starting limit of 4k in 2012.  I asked them all the time and they kept giving them to me, lol.  They don't do hard inquiries that I have ever seen, so whats the worst the can happen? Ask and you may receive!

Through HARD work, paying HIGH interest for a long time, I achieved what I desired. GREAT credit. There is NO easy solution, NO easy fix.

Starting credit score-505 September 2006

Experian-802 TransUnion-802 Equifax-808
$286,000 total lines of credit
Message 3 of 14
Senior Contributor

Re: American Express Credit Limit Increase!

You may run in to income verification requests at around $35,000 with American Express.





Message 4 of 14
Regular Contributor

Re: American Express Credit Limit Increase!

is there a set... chart or conversion hahaha of how much your income needs to be compared to your CL? Does age have a factor at all, I was surprised to get the limit seeing I am only 19.

Discover IT $9,500 - Sept 2016
Amex BCE $31,500 - July 2017
Paypal 2% CB $10,000 - May 2019

Message 5 of 14
Frequent Contributor

Re: American Express Credit Limit Increase!

Wow!  congratulations... that CLI is nothing short of beautiful Smiley Happy





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $20K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 6 of 14
Community Leader
Mega Contributor

Re: American Express Credit Limit Increase!

Congrats Smiley Happy

Disco is the wild west, you might score big or you might get robbed , all depends on your perspectiveSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 14
Senior Contributor

Re: American Express Credit Limit Increase!

Congrats on 3x CLI

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 14
Regular Contributor

Re: American Express Credit Limit Increase!

thank you for all the congrats however, does anyone have another thread talking about discovers CLI? and anymore insight on my amex credit limit and how far I should go with my limit on it... in six months when I can request another increase I don't think I should try for 54,000 hahah.

Discover IT $9,500 - Sept 2016
Amex BCE $31,500 - July 2017
Paypal 2% CB $10,000 - May 2019

Message 9 of 14
Regular Contributor

Re: American Express Credit Limit Increase!

is the income related questions related to one card at 35K or is it all your cards combined?

Message 10 of 14
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