@Anonymous wrote:So the general rule of thumb is 60 days after a denial, 6 months from most recent CLI, and 6 months from your activation date?
I don't know about the denail. But you can get a CLI on a new account 60 days after activation. After that, it is once every 6 months. Also, the once every six months rule is for all accounts. So, I do not know if this scenario is possible (and maybe this bears on tntexans question above):
Say you requested a CLI 2 months ago and it was granted. Now you apply for a new account. Do you have to wait 4 months for the next CLI, or can you request a CLI on the new account within 60 days?
Starting Score: ~500 (12/01/2008)
@tntexans72 wrote:
@Walt_K wrote:
@tntexans72 wrote:Have anyone had success in requesting a CLI after 61 days and than another one before the 6 months date? or the rule of thumb is to ask for your 1st CLI after 60 days than wait another 6 months to request a CLI. Reason I ask is because I received a CLI after 60 days but I want to request another increase before the 6 months to help out my UTIL % and increase my CL. Don't know if this is a good thing or a bad thing in OP eyes but my goal is to avoid apping for a 2nd Amex card to take another hard hit and just work on getting more credit cause Amex do soft pulls for CLI. My EX plus score is 747 (not fico) and I am wondering if Amex will approve the increase or will their system just declined me base on their policy.
Anyone with some infor.....thanks in advance!
I don't see why they would grant one in 4 months instead of six. The policy says six, but you could always call and ask. Let us know if you find out different.
Side note, are you using "OP" for other people? I was trying to figure out why you were saying that it might be a good or bad thing in the original poster's ("OP") eyes.
The original question is...if I have an amex card, got my 1st increase after 60 days....can I request another increase 3-4 months after the 1st 60 days increased? of do I have to wait 6 months after my 1st increase?
I have the card for a total of 5 1/2 months now, got my 61 days increased.....I wanna ask for another one to bump up my CL...the worst thing Amex can do is say no but I don't want them to red flag my account by asking for a CLI twice within 6 months of having the card.
Right. And I guess what I was trying to point out is that I don't see any ambiguity in the 6 month policy that would apply to your situation. So I don't see any reason why it wouldn't be 6 months. I could be wrong, though, so if you find out, please do update. Here's the language from Amex's site:
"We do not increase an account's credit limit during the first 60 days after it has been opened, or for at least 6 months from the last credit limit increase. After that time has passed, if you are still interested in applying for an increased credit limit, you can check to see if you are eligible to change your credit limit online by logging into your account and going to your Profile & Preferences or you can call the number on the back of your Card to speak with one of our customer care professionals."
What I couldn't remember was whether there was some ambiguity on the 60 day rule for a new account, but reading the above, it seems pretty clear. I'd think you'd have to wait 6 months in either scenario.
Thanks all for your respond.......
I would wait until the account has been open 6 months and then 6 months later! Don't push it and make sure you are putting a decent amount through the card!!
Good luck 
