AMEX CLI

[Anonymous]

Does anyone know?

I requested a CLI with AMEX for 2500 online and was approved. Now let's say I would have entered 5,000 if the system declines it, would it approve you for less like the 2500? Or would it just decline you? Just asking for the next time   

[Creditaddict]

Pretty sure they counter.

[Anonymous]

No- They do not counter offer the CLI request.

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@Anonymous wrote:

Does anyone know?

I requested a CLI with AMEX for 2500 online and was approved. Now let's say I would have entered 5,000 if the system declines it, would it approve you for less like the 2500? Or would it just decline you? Just asking for the next time

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[Creditaddict]

maybe the computer doesn't but if you call and do a 2nd review by human person they use to counter. do they not do that anymore?

[Anonymous]

they want a number from you. you cannot just say increase it to what i qualify for.,

[Anonymous]

They do not counter, so the best thing to do would be to call up and ask for a CLI on the phone- for my first one I didn't want to be too greedy or make it too high,  so I asked the rep what he thought would be very likely to be approved- he gave me the number and I said ok do it. It went through.