AMEX CLI Question

[TRC_WA]

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@Mdowning30 wrote:

Because of those $1000 starting limits...

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Yeah I never got a CLI on my previous $1k Delta Amex card because I didn't use it all that much beyond the initial SUB spend.  I asked multiple times and always denied.  That account was closed in 2017 prior to filing CH 13 and Amex just gave me the exact same card last month... only with a $10k limit.

Already ran $2k thru the card to get the 75k bonus miles... and now am working towards the $10k spend for the flight credit.  The card is somewhat more useful now with 2x miles at restaurants and groceries but for me the biggest perk is the $10k limit.  It's basically twice what I have on any other card and if this is Amex's way of getting me to put their card #1 on my list they've done a good job... because it is.

They're gonna love me now... lots of spend and PIF each month.  Not gonna make multiple monthly payments... I don't see the point and agree with others in this thread who do the same.  I'm anticipating $3k or so monthly spend... anyone have any idea if they'd ever give me CLI with low UTI across other cards in my profile?

Honestly I'm gonna wait a minimum of 120 days before even making an attempt (I've seen 60-90 being common but have also seen reports of up to 180?) but with $3k monthly usage on a $10k card can I expect a CLI?

Probably not eh?  

LOL either way it's all good... they've already given me a 10x CLI along with a free flights worth of bonus miles... it just took 5+  years and 2 accounts to get there.

Moral of the story... don't burn Amex in a BK.   Lots of useful info in this thread!  Thanks all!

[OmarGB9]

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@collics wrote:

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@OmarGB9 wrote:

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@learningcredit54 wrote:

I too was wondering what the best method is. I received a BLUE CASH PREFERRED a few weeks back with a 1k limit. I put around 600 first month a PIF before statement and this second cycle planning on doing the same. This way I think I have better odds at doing a 3x CLI on day 61 of the card.

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Temper expectations as far as even qualifying to ask for a CLI at 61 days. I got the same card, same limit, back in December, and had to wait nearly 6 months before even being *allowed* to ask for a CLI. It *was* granted, though, thankfully. But I didn't PIF. I've been leaving some balances on it since it's at 0% until Dec of this year.

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Great dp, thanks.

Did you get 3x limit when they did grant the CLI?

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Yes

[luckydiva95]

No, I only requested what I thought I would get approved for. I opened the card in 2016.

[learningcredit54]

@OmarGB9you're right - 61 days might be a bit premature from my end. i guess its just wishful thinking. I noted that I dont even have the option to ask for the CLI on my personal card but I do see the option for my business card which has been open for 2 weeks less. Odd.

Either way I will without a doubt keep the forum upto date. 61 days on the personal will be July 8th so lets see how this post ages.

[HHH71]

I started with a Hilton Amex Card in 2019 with a $2,000 CL. After 180 days I asked for 3x and they did a 2x. Then another 180 I did get a 3x. Then I doubled that to $24,000 another 180 days later. I also Product Changed to the top Hilton card Aspire. During that time though I got the AMEX platinum card; I have only ever checked spending power with $50,000 and it was approved. I also got the Marriott Brilliant Bonvoy with a starting CL of $20,000. That one was just approved for a CLI of 2x to $40,000. I also have a Blue Cash Preferred that was an initial CL of $8,000. I've had that one a year and haven't bothered asking for a CLI yet. 

In 2021 I put $155,000 on my Amex cards and Paid In Full every month before statements. I often pay on a card 5-6 times a month. So that behavior must not bother them.

So my AMEX journey over the last 3 years went from $2,000 to Credit limits across 3 cards of $72,000 plus the Platinum card which as I said earlier was approved for $50,000 when I checked spending power.

I love my AMEX cards and use the crap out of them. But I also travel for a living. I stay in Hotels over 200 nights a year and fly over 200 segments a year on American Airlines. I have the Citi World Elite American Airlines Master Card for that.

I also put a lot on Chase cards.

Good luck, I love AMEX, they have been very good to me.

[h2oeng]

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@learningcredit54 wrote:

This way I think I have better odds at doing a 3x CLI on day 61 of the card.

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Don't get your hopes up to high on a CLI at 61 days.  A lot of people lately (including me) didn't get it.  Tried again at 90 and still didn't get it.  I tried at 5 months and got it then though.  This being said, I would try it at 61 days, you never know.  FYI, seach the board for the CLI link for AMEX.  I think it's been removed from their site but link in one of the posts was still active several months ago.    

[Mistuhcee]

I put about $500-$800 a month on my BCP. I got my card in Dec 20 with a $1k limit and got my first increase in Dec 21 for $3k. I asked again in March for 3x the limit and was approved for $9k and the same for June and was approved for $25k. I was scared to ask for over $25k😂. I know the consensus is every 181 days but it was every 92/93(took an extra few days to be safe) for me. Hopes this helps. 

[OmarGB9]

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@Mistuhcee wrote:

I put about $500-$800 a month on my BCP. I got my card in Dec 20 with a $1k limit and got my first increase in Dec 21 for $3k. I asked again in March for 3x the limit and was approved for $9k and the same for June and was approved for $25k. I was scared to ask for over $25k😂. I know the consensus is every 181 days but it was every 92/93(took an extra few days to be safe) for me. Hopes this helps. 

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Interesting you were able to ask and get approved for a CLI after only 90ish days.

[Mistuhcee]

Yes but after having my card for a year. Three straight increases on Dec, Mar, and June. I went from 1k to 25k. 

[learningcredit54]

Sooo just to update on forum I have passed my 61 days with my Personal Amex Blue Cash Preferred BUT the CLI is currently not an option for me. I decided to try my luck on the Amex Blue Business which although opened just shy of 61 days has the CLI option. However upon pulling the trigger eas denied. I may try and reach out to see the real reason as the message below makes no sense. All my cards are reporting 0.00 (all paid in full)

We made this decision for the following reason(s):
We estimate that the average monthly payments being made on your credit card account(s)
are low in relation to their outstanding balance(s), as indicated in your credit report.