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Bread Financial AMEX and AAA Travel CLIs

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masscredit
Senior Contributor

Bread Financial AMEX and AAA Travel CLIs

It was time to request a CLI for my Bread Financial AMEX card.  That card had a SL of $6950 (strange number). Submitted my info and was rewarded with a $1500 increase to $8450 (still a strange number). I was approved for their AAA Travel Advantage Visa April 30th.  It had a SL of $10000. I requested an increase May 22nd. Was surprised to receive a $1500 increase so soon. I was going to wait until it was 6 months since the last increase but figured there wouldn't be any harm trying a few weeks early. Another $1500 to bump it up to $13000.

 

Both of these were a SP. I guess they have a thing about $1500? And it looks like we don't have to wait 6 months between CLI requests. For those with these and other Bread Financial cards, what has your experience been? 

EQ - 702 / TU - 679 / EX - 689

Capital One Savor - $17000 / AAA Travel Advantage Visa - $14000 /Capital One Venture - $13000 /Bread Rewards AMEX - $9450 /Apple Card - $8500/ TD Cash Card - $7500 / TD Double Up - $7000 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $600
$89,350
DCU Auto Loan
Message 1 of 12
11 REPLIES 11
1lifeisworthit
Regular Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

I have a Bread Amex cash back card, but I've stopped using it. I never got a CLI and I never asked for it.

The card is literally sock drawered for me now. Just waiting for them to close it.

 

Does anyone know whent that is likely to happen?

Message 2 of 12
Follower
Regular Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

I waited a year or so after opening my Daily Advantage, and then got a $2,500 SP CLI. I may try again in the new year since that will be another decent chunk of time between requests.


Equifax FICO 8 Bankcard 864 | Experian FICO 8 844 | TransUnion FICO 8 ???
Message 3 of 12
masscredit
Senior Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

@1lifeisworthit Why don't you use it? 

@Follower I read a post from someone who said he tries for a CLI every four months. Usually get it. I'm going to put these cards on a four month schedule. 

EQ - 702 / TU - 679 / EX - 689

Capital One Savor - $17000 / AAA Travel Advantage Visa - $14000 /Capital One Venture - $13000 /Bread Rewards AMEX - $9450 /Apple Card - $8500/ TD Cash Card - $7500 / TD Double Up - $7000 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $600
$89,350
DCU Auto Loan
Message 4 of 12
BoujeeBetty
Valued Member

Re: Bread Financial AMEX and AAA Travel CLIs

When Bread was known as Comenity, it was every 4 months and 1 day like clockwork.  Always $1,500.  I worked 2 of their cards all the way to the $30k max doing this.  At one time I had 12 Comenity cards because of the shopping cart trick.  I have 1 today at $30k.  I got in the game right at the height of the frenzy and honestly, it's why I have the best of the best cards, limits and APRs right now.

 

Keep trying every 4 months and 1 day and see if it still works.

Message 5 of 12
Total_Synergy
Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

Congratulations @masscredit on the consistent CLIs! Unlike yourself and @BoujeeBetty, my last 2 CLIs for AAA Daily were $2500 each time, but at the 6 month marks.  I'll try like @masscredit at 4 months and see if it changes. Smiley Wink

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Personal Issuers; $0 Fees; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 2 Cards with each of the Top 3 (US) Business Issuers; $0 Annual Fees; Team Cashback]:
                RIP:
* Personal FICO 8 (09/25): TU/EX ~775 (AoOA 3.8yrs, AAoA 2.5yrs), EQ ~825 (still reporting 2 cards closed 13+ yrs ago, AoOA 3.8yrs, AAoA 3.7yrs).
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!

Message 6 of 12
cashorcharge
Community Leader
Super Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

WOOHOO!! Congratulations on your Approvals!!👏🏼🍾🥂

Message 7 of 12
aplast
Regular Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

I have a Bread rewards American Express. Opened in March. I finally got my first CLI of 1500 a few days ago. New limit is a whopping..... 2900. I daily drove the card for a few months but it was not meeting my spending needs at the initial 1400 limit and cycling it was just annoying. It sits in the sock drawer now. Shame because it has the potential to be a pretty aggressive card, especially if you hit the bonus .75% spend every month. 

 

Edit: Congrats OP on the CLIs!!

Message 8 of 12
coreyb80
Super Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

Congrats on the increases!

Message 9 of 12
Copenix
Frequent Contributor

Re: Bread Financial AMEX and AAA Travel CLIs

Nice. Congrats on your CLIs.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $118.8K | Utilization 0.9%

FICO 8s May 2026


Message 10 of 12
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