cancel
Showing results for 
Search instead for 
Did you mean: 

Forced an auto-CLI with AMEX, 3 months after CLI

tag
ksantangelo23
Frequent Contributor

Forced an auto-CLI with AMEX, 3 months after CLI

So, early this year I moved all my spending to my Hilton card, along with all but $1,000 in credit from my BCP, which brought it to $20,000. In June, I requested a CLI and was given $32,000.

 

2 months ago, I decided that I had enough points and switched back to my BCP. I got the idea that if I let it regularly get very close to its limit, then down to zero before the statement cut, I could force AMEX's hand on giving me a CLI, and it worked.

 

It occured less than 15 miniutes after I swiped my card for groceries, which is why I'm sure the artificial strain on the card gave me the CLI.

 

It's also my first auto-CLI from AMEX, though I've never been close to any limits.

 

It's a pretty small increase, at only $1,000 (bringing my BCP to $2,000) which is either a sign im near my overall limit with AMEX, or it was a weak reason to be given an auto-CLI to begin with. Ill see how my next CLI goes in October.

 

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 1 of 7
6 REPLIES 6
red259
Super Contributor

Re: Forced an auto-CLI with AMEX, 3 months after CLI


@ksantangelo23 wrote:

So, early this year I moved all my spending to my Hilton card, along with all but $1,000 in credit from my BCP, which brought it to $20,000. In June, I requested a CLI and was given $32,000.

 

2 months ago, I decided that I had enough points and switched back to my BCP. I got the idea that if I let it regularly get very close to its limit, then down to zero before the statement cut, I could force AMEX's hand on giving me a CLI, and it worked.

 

It occured less than 15 miniutes after I swiped my card for groceries, which is why I'm sure the artificial strain on the card gave me the CLI.

 

It's also my first auto-CLI from AMEX, though I've never been close to any limits.

 

It's a pretty small increase, at only $1,000 (bringing my BCP to $2,000) which is either a sign im near my overall limit with AMEX, or it was a weak reason to be given an auto-CLI to begin with. Ill see how my next CLI goes in October.

 


Given your current exposure with amex I think you are near the limit of what they will give you without wanting income verification. If they verify your income and like what they see then they can give quite a bit more credit. I'm happy with my current amex limits, so I don't do the 3x thing anymore since I would never be able to max one of my cards let alone all of them!

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 2 of 7
UncleB
Credit Mentor

Re: Forced an auto-CLI with AMEX, 3 months after CLI


@ksantangelo23 wrote:

So, early this year I moved all my spending to my Hilton card, along with all but $1,000 in credit from my BCP, which brought it to $20,000. In June, I requested a CLI and was given $32,000.

 

2 months ago, I decided that I had enough points and switched back to my BCP. I got the idea that if I let it regularly get very close to its limit, then down to zero before the statement cut, I could force AMEX's hand on giving me a CLI, and it worked.

 

It occured less than 15 miniutes after I swiped my card for groceries, which is why I'm sure the artificial strain on the card gave me the CLI.

 

It's also my first auto-CLI from AMEX, though I've never been close to any limits.

 

It's a pretty small increase, at only $1,000 (bringing my BCP to $2,000) which is either a sign im near my overall limit with AMEX, or it was a weak reason to be given an auto-CLI to begin with. Ill see how my next CLI goes in October.

 


Do you think it mattered/helped that you paid the account down before the statement cut?

 

Just trying to get data points here... Smiley Wink

Message 3 of 7
Anonymous
Not applicable

Re: Forced an auto-CLI with AMEX, 3 months after CLI

Congratulations on the auto luv from Amex!!! Keep up the good work!!!

Message 4 of 7
Anonymous
Not applicable

Re: Forced an auto-CLI with AMEX, 3 months after CLI

Plus on my card my amex is always allow to overlimit to exactly 2x my limit

 

so my limit is 2k, i can make a purchase up to 4k if i have no balance

Message 5 of 7
Anonymous
Not applicable

Re: Forced an auto-CLI with AMEX, 3 months after CLI

Congrats and nice job

Message 6 of 7
Country_Feller
Valued Contributor

Re: Forced an auto-CLI with AMEX, 3 months after CLI

Awesome, Congratulations!!!
myFICO=EQ 702, TU 716, EX 743br>EQ=11//TU=15//EX=11/Util 14%. Gardening since 01/02/2017.


Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.