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Totally Unexpected Amex Auto-CLI?

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Valued Member

Totally Unexpected Amex Auto-CLI?

So, I really have no DP for this, but I noticed that Amex gave me an auto-CLI on my $10k SL Cash Magnet card. It got bumped up to $22k CL. 

 

Has this happened to anyone else? I called Amex and asked what happened, and the rep said it was legit. Only thing I can think of is the fact that I charged $9800 to it in a week and paid it off before the first statement. Nothing much else has changed. I didn't even know Amex did auto-CLIs.

 

I'm not upset, just a bit confused! The card is only 29 days old!





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Message 1 of 14
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Valued Contributor

Re: Totally Unexpected Amex Auto-CLI?

29 days? Awesome! Great story. Thanks for sharing.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (02/20/2020): FICO 08 EXP: 749; TU: 758; EQ: 759
2019 Goal Score: 800 across the board


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Message 2 of 14
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Valued Contributor

Re: Totally Unexpected Amex Auto-CLI?


@mrfragicide wrote:

So, I really have no DP for this, but I noticed that Amex gave me an auto-CLI on my $10k SL Cash Magnet card. It got bumped up to $22k CL. 

 

Has this happened to anyone else? I called Amex and asked what happened, and the rep said it was legit. Only thing I can think of is the fact that I charged $9800 to it in a week and paid it off before the first statement. Nothing much else has changed. I didn't even know Amex did auto-CLIs.

 

I'm not upset, just a bit confused! The card is only 29 days old!


@WOWWWWWWWWWWWWWWWWW CONGRATS WOW @ 29 DAYS OLD with a 12K CLI WOW

Message 3 of 14
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Frequent Contributor

Re: Totally Unexpected Amex Auto-CLI?

WOOHOO!
Congratulations!



Message 4 of 14
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Valued Contributor

Re: Totally Unexpected Amex Auto-CLI?

Congrats on being my AMEX hero of the week!  Awesome CLI especially given the short time-frame of the card.


Message 5 of 14
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Frequent Contributor

Re: Totally Unexpected Amex Auto-CLI?

That's great!  I have also been on the receiving end of an unexpected auto Amex CLI and boy what a feeling. I put a large amount of spend on it after a product upgrade and then went on vacation (always PIF)...set me up for a great 3x CLI request the next month. 

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 6 of 14
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Senior Contributor

Re: Totally Unexpected Amex Auto-CLI?

Congratulations on your amazing CLI!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 14
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New Contributor

Re: Totally Unexpected Amex Auto-CLI?

congrats!!!



Message 8 of 14
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Regular Contributor

Re: Totally Unexpected Amex Auto-CLI?

Congrats!!! Wow, that is most awesome!!! Smiley Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


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Message 9 of 14
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Valued Contributor

Re: Totally Unexpected Amex Auto-CLI?

Congrats on the auto cli!  If I got a major auto increase like that, the last thing I would do is call the creditor and ask them "What happened?".

 FICO 8
Message 10 of 14
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