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amex cli- no IV

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Anonymous
Not applicable

amex cli- no IV

Hi all!

Just sharing my experience. I've been with amex since 2017 and have 4 personal cards total with them. Always PIF and pretty much use my BCP as an every day card, running around 2500 per month through it. Hit my six month mark and applied for a CLI, went from 27k to 37k instantly. I thought that I had read that 35k was almost always going to trigger IV but somehow I've bypassed it, luck I guess lol. Anyways, scores are around 720-730 on my bureaus and 150k available credit at 4% utilization for those who are curious. Huge thank you to everyone on this forum, has helped me for years.

Message 1 of 16
15 REPLIES 15
gdale6
Moderator Emeritus

Re: amex cli- no IV


@Anonymous wrote:

Hi all!

Just sharing my experience. I've been with amex since 2017 and have 4 personal cards total with them. Always PIF and pretty much use my BCP as an every day card, running around 2500 per month through it. Hit my six month mark and applied for a CLI, went from 27k to 37k instantly. I thought that I had read that 35k was almost always going to trigger IV but somehow I've bypassed it, luck I guess lol. Anyways, scores are around 720-730 on my bureaus and 150k available credit at 4% utilization for those who are curious. Huge thank you to everyone on this forum, has helped me for years.


Grats on your 10k bump up! Yes there have been a few posts of people exceeding the 35K over the last 2 weeks without POI required, they may have loosened up on that for some depending on your overall profile.

Message 2 of 16
CreditAggie
Community Leader
Super Contributor

Re: amex cli- no IV

Congratulations on your Amex CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 16
coreyb80
Super Contributor

Re: amex cli- no IV

Congrats on the increase!

Message 4 of 16
MartyWrite75
Valued Contributor

Re: amex cli- no IV

Congratulations on your CLI!

March 2024: Experian 762; Equifax 767; Transunion 769


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 04/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 5 of 16
Ficoproblems247
Valued Contributor

Re: amex cli- no IV

Congrats on your stellar AMEX limit, and thank you for sharing your DPs for IV! 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 6 of 16
manbuckets
Regular Contributor

Re: amex cli- no IV

Congrats on your CLI!

Current Cards/Loans:
Future Cards:
Message 7 of 16
babygirl1256
Senior Contributor

Re: amex cli- no IV

Congrats on the 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 8 of 16
Anonymous
Not applicable

Re: amex cli- no IV


@Anonymous wrote:

... applied for a CLI, went from 27k to 37k instantly ...


Should we interpret this to mean you got approved for exactly what you initially requested (thus might have been eligible for moreSmiley Wink)? And Congrats! on the CLI Smiley Happy& thanks for the DPs.

Message 9 of 16
Anonymous
Not applicable

Re: amex cli- no IV

You interpreted correctly, I only requested 37k but didn't want to be too greedy Smiley Tongue thank you!!


@Anonymous wrote:

@Anonymous wrote:

... applied for a CLI, went from 27k to 37k instantly ...


Should we interpret this to mean you got approved for exactly what you initially requested (thus might have been eligible for moreSmiley Wink)? And Congrats! on the CLI Smiley Happy& thanks for the DPs.


 

Message 10 of 16
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