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American express credit limit increase approved

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Luxeedee
New Contributor

American express credit limit increase approved

Well **bleep**! I just hit the Luv Button to double my credit limit. (Yes I know I should have gone hard and asked for 3x)  They insta approved!  I knew they were in a good lending mood when they kept trying to shove the Platinum on me. I'm just too scary to travel right now though.  Hotel perks and airplane perks are meaningless. I'm staying away from crowds for another year.  If I can avoid disaster, I will!

Good grief, I just went back to close the window and now they're offering the Gold card.  Clearly I should have asked for a 3x. Ah well, there's always 190 days from now.

Message 1 of 17
16 REPLIES 16
Mdowning30
Established Contributor

Re: American express credit limit increase approved

Im 2 weeks away from my first request, fingers crossed...

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 2 of 17
Danmae777
Regular Contributor

Re: American express credit limit increase approved

Congratulations on your new CLI. 

starting fico 8 score 04/2021-EX-618
current fico 8 score 04/2022 -EX 657
Message 3 of 17
CreditMagic7
Mega Contributor

Re: American express credit limit increase approved

Congrats on your new CLI. 

Message 4 of 17
gdale6
Moderator Emeritus

Re: American express credit limit increase approved

Grats on your Amex move up Smiley Happy

Message 5 of 17
bigseegar
Established Contributor

Re: American express credit limit increase approved


@Luxeedee wrote:

Well **bleep**! I just hit the Luv Button to double my credit limit. (Yes I know I should have gone hard and asked for 3x)  They insta approved!  I knew they were in a good lending mood when they kept trying to shove the Platinum on me. I'm just too scary to travel right now though.  Hotel perks and airplane perks are meaningless. I'm staying away from crowds for another year.  If I can avoid disaster, I will!

Good grief, I just went back to close the window and now they're offering the Gold card.  Clearly I should have asked for a 3x. Ah well, there's always 91-180 days from now.


Congrats! And it's definitely 6 Months (180 Days) for AmEx before you can ask again on that card or anyother AX Credit card (if you have more than one) as per hard AX Rules.

Message 6 of 17
Luxeedee
New Contributor

Re: American express credit limit increase approved

Thank


@bigseegar wrote:

@Luxeedee wrote:

Well **bleep**! I just hit the Luv Button to double my credit limit. (Yes I know I should have gone hard and asked for 3x)  They insta approved!  I knew they were in a good lending mood when they kept trying to shove the Platinum on me. I'm just too scary to travel right now though.  Hotel perks and airplane perks are meaningless. I'm staying away from crowds for another year.  If I can avoid disaster, I will!

Good grief, I just went back to close the window and now they're offering the Gold card.  Clearly I should have asked for a 3x. Ah well, there's always 91-180 days from now.


Congrats! And it's definitely 6 Months (180 Days) for AmEx before you can ask again on that card or anyother AX Credit card (if you have more than one) as per hard AX Rules.


Thank you @bigseegar . I was fuzzy on how they do things.  Do you think I should have asked for 3x? Is it always wise to go for 3x?  I just didn't want an embarrassing insta-decline.

Message 7 of 17
NRB525
Super Contributor

Re: American express credit limit increase approved

Congrats on your AMEX CLI !

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 8 of 17
Elpadrino1
Valued Contributor

Re: American express credit limit increase approved

Congratulations on your Amex CLI!!

Message 9 of 17
Mdowning30
Established Contributor

Re: American express credit limit increase approved

Yes nothing wrong with asking for the 3X CLI worst case is they counter offer with 2X. I would take either or, but im going to ask for the 3X for the extra cushion.

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 10 of 17
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