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Amex CLI does it again 6k - 35k!!

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Frequent Contributor

Amex CLI does it again 6k - 35k!!

Well well .... just hit my one year anniversary with Amex and now my 3rd cli request ... this card started with a 6k limit - went for 15k when card arrived then went for 25k countered to 20k and lastly today asked for 35k and whala granted! Thx Amex Everyday card and it's my first Amex! Score was about 690ish when applied now Im about 715ish ....
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
10 REPLIES 10
Established Contributor

Re: Amex CLI does it again 6k - 35k!!

Don't forget to update your siggy!

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 2 of 11
Established Contributor

Re: Amex CLI does it again 6k - 35k!!

Are AMEX CLI a SP?

F'08 FEB18: EQ721, EX702, TU734; Clean since BK7 D/C 6/2011
Message 3 of 11
Frequent Contributor

Re: Amex CLI does it again 6k - 35k!!

Yes amex are a SP

OP, give a timeline for your CLI, as they seem to diff than the 3x initial 60 day and every 180day after , they have going here.

Total Credit Line- $78,650
Current Score:EX-700 || TU-704 || EQ-692 || AAoA-2yrs9mo || uti- 27% || 100% payment history || 8 inq
Message 4 of 11
Frequent Contributor

Re: Amex CLI does it again 6k - 35k!!

Well, got my card in late Oct 15 .. at 61 days requested from 6k to 15k didnt want to do full 3x request, then waited 180 days and requested 25k countered with 20k, so now in Dec 2016 my second 181 day wait was up and requested 35k and granted. .. i shy away from the actual 3x cli request and just ask for a decent amount ... my disco is at 25k now and started at 5500 and got both cards at the same time ... of course it took about 10-12 cli request with discover and only a few huge jumps with amex and its now my highest limit!
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 5 of 11
Super Contributor

Re: Amex CLI does it again 6k - 35k!!

Congrats on the $35k credit line!

 

A few questions.  One, what is your income?  Second, what is your typical monthly spend/payment pattern on your Amex card?

Message 6 of 11
Frequent Contributor

Re: Amex CLI does it again 6k - 35k!!

Income is 140k ..i don't spend much at all but i think they like the swipes. . Since you get a bonus after 20 purchases I usually try and make my starbucks or grocery runs and fast food purchases on the card ... this last month ive went up to about 2k because the holidays but rarely if ever carry a balance about a few hundred .. im still at zero 18month no interest promo too ...
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 7 of 11
Valued Contributor

Re: Amex CLI does it again 6k - 35k!!

Congrats....
Message 8 of 11
Super Contributor

Re: Amex CLI does it again 6k - 35k!!


@Rowncole wrote:
Income is 140k ..i don't spend much at all but i think they like the swipes. . Since you get a bonus after 20 purchases I usually try and make my starbucks or grocery runs and fast food purchases on the card ... this last month ive went up to about 2k because the holidays but rarely if ever carry a balance about a few hundred .. im still at zero 18month no interest promo too ...

Thanks for the data feedback.  I would think that your declared income was the deciding factor here in not getting hit with POI.  Sort of ironic how that works Smiley Happy  I'd venture to guess that if your stated income was half of what you said or less that they would have hit you with POI.  Very nice limit in a short period of time though, no doubt!

Message 9 of 11
Frequent Contributor

Re: Amex CLI does it again 6k - 35k!!

Actually half of my income is bonuses ... either way it can be supported with documents but my last filed agi shows about 110kish maybe .. so not sure what triggers them to request additional information - my other limits are all now creeping around the same with other creditors so that can have a part in it as well - Amex at 35k, Barclay at 15k, Lowes at 25k , Chase Fidelity Macys n Walmart all at 10k
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 10 of 11
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