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Strange Amex CLI approval…

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Tonya-E
Established Contributor

Strange Amex CLI approval…

So I applied for a CLI on my Amex card about 2 months ago. I was at 39k and just wanted to see if I could get over 40k (only asked for 5k). Of course they requested a 4506-C which I was ok with and expected. I will admit I did regret the request (and still kinda do) as there is no really good reason for it. It wasn't needed. I was just trying my luck. I sent it in. I received a letter of decline about 3-4 weeks later stating that the use was too low to approve the request. I agreed and moved on. No harm no foul, shouldn't have asked anyway.

 

Fast forward 30 days and I get a notification in the mail that "based on my account performance they increased my limit to 45k". I really don't know what happened but I mean I'll take it. I just found it strange and now it worries me. I don't want to be on their radar or anything. But if so, I did it to myself😞 

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


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Message 1 of 13
12 REPLIES 12
KingRue8500
Senior Contributor

Re: Strange Amex CLI approval…

Congrats on your AMEX Blue Cash Preferred CLI




Message 2 of 13
babygirl1256
Senior Contributor

Re: Strange Amex CLI approval…

Congrats on your AmEx CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 3 of 13
CreditAggie
Community Leader
Super Contributor

Re: Strange Amex CLI approval…

Congratulations on your Amex CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 13
Ficoproblems247
Valued Contributor

Re: Strange Amex CLI approval…

Nice auto-CLI! That's a heck of a limit! Smiley Happy I would not worry at all about being on anyone's radar. Just a computer algorithm plugging values in and deciding you were worthy of an increase. 



FICO 8 EX 836 EQ 838 TU 831
TCL $223,100
Message 5 of 13
Tonya-E
Established Contributor

Re: Strange Amex CLI approval…

Thanks @Ficoproblems247  @CreditAggie @babygirl1256 @KingRue8500 !

 

@Ficoproblems247  Thank you for saying that cause I have been sweating bullets thinking I may have been pushing too far. I definitely will not be doing that again! But, I am thankful for the CLI.

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


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Message 6 of 13
gdale6
Moderator Emeritus

Re: Strange Amex CLI approval…

LOL, grats on the surprise increase Smiley Happy

Message 7 of 13
Mr_Mojo_Risin
Senior Contributor

Re: Strange Amex CLI approval…

Haha that was a pretty cool story.

Nice sweet surprise for you, congratulations!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 8 of 13
Tonya-E
Established Contributor

Re: Strange Amex CLI approval…

It was a nice surprise but I was like, "Ok, what the heck just happened? Should I be worried now?!" Lol! I guess the request triggered them to take another look after the fact on their own accord. Oh well, thanks Amex!

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


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Message 9 of 13
Total80sKid
Senior Contributor

Re: Strange Amex CLI approval…

Congrats on your AMEX CLI 🎉

Message 10 of 13
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