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Amex CLI to $55k w/o IV

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Anonymous
Not applicable

Amex CLI to $55k w/o IV

Today was the day for another $5k/6mo increase, once again approved just like the previous 4 requests.  IV has never been provided.  Below is a link to the identical thread I started 6 months prior when moving to $50k on this card, which provides a bit more data that I won't repeat in this thread.  To summarize, though, I've taken this card with little usage from:

 

(SL) $10k --> $30k --> $35k --> $40k --> $45k --> $50k --> $55k

 

If anyone has any questions at all, please fire away.

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-CLI-to-50k-w-o-IV/td-p/5339921

 

FYI, I did again try for > $5k, starting with a $60k request ($10k CLI) and upon receiving IV language backed out and tried again for $55k.  This to me is concrete evidence that $5k/6mo is what Amex is "comfortable" with in terms of steady growth without requiring IV, especially since it's my 5th time doing the same thing in 2 years now.Untitled.jpg

Message 1 of 46
45 REPLIES 45
Remedios
Credit Mentor

Re: Amex CLI to $55k w/o IV

Congrats, BBS. That's pretty sweet 

Message 2 of 46
Anonymous
Not applicable

Re: Amex CLI to $55k w/o IV

COngrats BBS very nice CLI!!

AMex loves your profile im sure

 

 

Message 3 of 46
pinkandgrey
Senior Contributor

Re: Amex CLI to $55k w/o IV

HELLO that’s a gorgeous limit. Congrats! 

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 4 of 46
Anonymous
Not applicable

Re: Amex CLI to $55k w/o IV


@Anonymous wrote:

If anyone has any questions at all, please fire away.


How do I get from 1K to 2K?

 

And Congratulations! sir on a fine (if all too predictable) CLI. 

 

Message 5 of 46
Anonymous
Not applicable

Re: Amex CLI to $55k w/o IV

Congratulations BBS! 

Message 6 of 46
simplynoir
Community Leader
Mega Contributor

Re: Amex CLI to $55k w/o IV

Congrats, BBS!

Message 7 of 46
xaximus
Valued Contributor

Re: Amex CLI to $55k w/o IV

Congrats BBS on the awesome CLI!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 8 of 46
Anonymous
Not applicable

Re: Amex CLI to $55k w/o IV

There was another thread from a few days ago which I can't find right now where someone suggested that IV may be run into with Amex on a single tradeline at a $52k limit.  I just wanted to mention that as this CLI here crossed over that point without issue.

Message 9 of 46
NRB525
Super Contributor

Re: Amex CLI to $55k w/o IV

Congrats on the steady CLI series.

I recently requested another $5k on my Hilton card, going to $15k on that card and $57k overall, without IV at any point. I agree that for a consistent customer, AMEX would probably be fine with regular $5k bumps.

My patience is not there, however so I might be asking for a much larger increase in July, and expect the IV. Smiley Happy
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
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