Amex BCP CLI Story

[JSUB]

My Fico 8 scores hover around 738, 740, 745. Six 90 day late payments on a Nelnet Loan will age off by next October. I applied for the BCP in March and was disappointed I was given an initial SL of 2,000. Having read here how Amex is generous with the CLIs I didn't despair. In June I requested a CLI to 6,000. Approved. September I requested a CLI to 18,000. Approved. I was planning on asking for CLI to 30,000 but something said request 35,000. Approved for 31,500 this morning. Merry Christmas!!

[JoeRockhead]

Very nice growth, congratulations on your new limt!

[coreyb80]

Congrats on the nice increases!!

[pizzadude]

Congrats on the CLIs, have they asked you for any supplemental documentation / bank statements with any of your requests ?

[JSUB]

No supplemental records requested for any of the CLIs. 

[Mervin]

Wow, that’s awesome! Do you think you could have gone bigger from the start, or doing it in stages was the key?

[BrutalBodyShots]

Taking a $2k card to $31,500 in 8 months is super impressive and honestly can't be done outside of Amex in 99% of cases. Nice job being persistent and hammering for those increases. You can still continue to grow your limit slowly over time without IV if that's something you're interested in. Here's a thread from 6 years ago that I started where I discuss the $5k/6mo approach.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-CLI-to-55k-w-o-IV/m-p/5517711

[JSUB]

"Wow, that’s awesome! Do you think you could have gone bigger from the start, or doing it in stages was the key?"
I wasn't going to chance it. lol

[BrutalBodyShots]

I know I could have pushed beyond $35k in >$5k increments if I had been willing to go through the IV process, but it wasn't something I cared to do. With an already great limit at $35k, another $5k/6mo for a while until hitting my ceiling was absolutely fine. That ceiling ended up being $62,700.

[Clashmoore]

Without knowing the strategy, I was at $35k and I requested $65k. Was immediately granted bump to $50k and then bank statements were requested (and given) and they bumped me to $60k.